['HI-.    GOLDEN    GATE 


II 

wfRfiNCISCO 

THE  FINANCIAL.COMMeRCIAL 
S  INPOSTRIAL  METROPOLIS 
OP  THE 

P^IFItCO^ST 


OFFICIAL    RECORDS.  STATISTICS 
AND    ENCYCLOPEDIA 


Compiled  under  the  Direction  of 

THE  SAN    FRANCISCO  CHAMBER  OF  COMMERCE 

Information  and  Statistical  Department 


Copyright  1915 

BY  THK  H.  S.  CROCKER  CO. 

San  Francisco 


I-  Nc.k  \nw;s  by  Commercial  Art  Co. 


THE  LIBRARY 

UNIVERSITY  OF  CALIFORNIA 

SANTA  BARBARA 


CONTENTS 


I'M. I 


IVI'KODI  CTION  ..    ,        ,   ,.    .       ...   ,  . 

|     By  /•  rank   Murhm    load, 

Historian  I'.  I'.  I.  I. 
HISTORICA1 )  I  11 

SAN    FRANCISCO      THE    FINANCIAL,    COMMERCIAL    WD    INDUS- 
TRIAL  METROPOLIS  <»l    THE  PACIFIC  COAST  ,M 

REAL  ESTATE  \\l>  REB1  [LDING  OPERATIONS.     By  William    \.   Mage* 

MANUFACTURING    l\    SAIN    FRANCISCO.     Bv  Warren  Maidev.  Information     „. 
and  Statistical  Department  San  Francisco  Chamber  of  Convnera  ..  {35    J 

FREEDOM     IN    TRANSPORTATION     FOR    SAN     FRANCISCO.     By  Seth 
\ln  n  a.  [tlorney  and  Manager  Traffic  Bureau  San  Francisco  Chamber  of  I  <tmmen  • 

SHIPPING     IN     SAN     FRANCISCO.     By  J.  S.  Hines,  Editor  Pacific  Marim 

Review i". 

SAN      FRANCISCO      THE     INSURANCE     CENTER.     By  R.  W.  Osborn, 

Manager   Pennsylvania    hire    Insurance   Company.  19 

SAN  FB  S.NCISCO   \\l>  THE  CANAL  51 


PAN-AMERICAN  COMMERCE  WD  THE  PW\\1\  CANAL  WHAT 
THE!  MEAN  TO  SAN  FRANCISCO.  By  John  BarrtU,  Director-General 
Pan-  American   I  nion  «;<» 

SAN  FRANCISCO'S  FINANCES  By  \.  1.  Mason,  Bond  Expert  Board  of 
Supervisors     «;  i 

MUNICIPAL   OWNERSHIP    l\    SAM    FRANCISCO      B     I  Rolph,  Jr., 

Mayor  of  Sdn  Francisco  86 


THE      PANAMA  -  PACIFIC      INTERNATIONAL      EXPOSITION       Mil 
WORLD'S   GREA  l  EST    EXPOS!  I  ION 

ENCJ  CLOPEDIC    INFORM  \  I  l<>\  — 

\<;\Di;\n   OF  SCIEM  IES  79 

mini  \  l  I.D  COLLEG1  - 

\l.(.\llt\/    ISLAND  79 

Wi.KI.  ISLAND  ::< 

ASSESSED  VALUES 

BAKER'S  BEA<  1 1  79 

BANKS   WD  TIN  W<  IE  79 


CONTENTS  —  Continued 

ENCYCLOPEDIC  INFORMATION       Continued—  page 

BOARD  OF  STATE  HARBOR  COMMISSIONERS 82 

CALIFORNIA  DEN  ELOPMENT  BOARD 8.5 

CHINATOWN 85 

CHURCHES  AND  RELIGIOUS  SERVICES 87 

cm   01  TDOORS 87 

Cl\  IC  CENTER 88 

CLIFF  HOUSE  AND  SEAL  ROCKS 88 

CL1  BS  WD  SOCIETIES 88 

COMMERCIAL  ORGANIZATIONS 91 

Advertising  Association  of  S;m  Francisco;  Hoard  of  Trade;  Chamber  of 
of  Commerce;  Down  Town  Association;  Exchange  Hall,  Chamber  of 
Commerce;  Home  Industry  League;  Merchants'  Exchange;  Real  Estate 
Board;  Rotary  Club;  Stock  Exchange;  Stock  and  Bond  Exchange. 

COMPARISON  OF  PACIFIC  COAST  CITIES  FOR  1914 93 

( !<  >NSULS  IN  SAN  FRANCISCO 94 

( '.( INVENTION  CITY 94 

( '.< )SM(  (POLITAN  METROPOLIS 94 

DISTANCES  FROM  SAN   FRANCISCO 95 

EDUCATIONAL  FACILITIES 97 

EDUCATIONAL  INSTITUTIONS 98 

EXPORTS  AND  IMPORTS  TO  AND  FROM  ALL  COUNTRIES       .       99 

FEDERAL  RESERVE  BANK  OF  SAN  FRANCISCO 100 

FISHERMAN'S  WHARF 101 

FORT  MASON  AND  TRANSPORT  DOCKS 101 

II  R  CENTER 101 

GOLDEN  GATE  PARK 101 

CO\T  ISLAND 104 

GREAT  1IIOIIW  NY 104 

HOSPITALS  AND  SAIN  \T<  )R  I  \ 104 

HOTELS 105 

ITALIAN  Ql   NRTER 108 

LIBRARIES 108 

LINCOLN   PARK  AND  FORT  MILEY 109 

LONE  MOUNTAIN Ill 

MARE  ISLAND  NAT}    YARD ill 

MILLS  COLLEGE  ill 

Ml^l<>\    DOLORES HI 

MOM  MENTS  AND  LANDMNRkS 113 

MOI  NT  TAM  VLPAIS   \NI)  Ml  IR  WOODS 115 


1 .'.' 


CONTENTS  —  Continued 

ENCYCLOPEDIC    INFORMATION      Continued  i""'1 

\](  SE1  M  <»|    ANTHROPOLOGY  lls 

NOB  MM. 1 1,,; 

NORTH  BEACH  lia 

POSTAL  RECEIPTS.  llfl 

PRESIDIO  l|,; 

PRESIDIO  l'\IU\\\  U  n,i 

PRESS   '"' 

PRODI  CTION  OF  CALIFORN1  \  I  <  >l<  1913  1,s 

R  ULROAD  COMMISSION  OF  CALIFORN1  \  I  '" 

RAILROADS  IN    \M>  01  T  OF  SAN  FRANCISI  0  I  -" 

RECREATION  LEAG1  E  OF  SAN  FRANCISCO  1*1 

RESTA1  RANTS,  CAFES,  GRILLS,  CAFETERIAS  i-'i 

Id  SSI  \\  HILL  '- 

SAN  FRANCISCO  \H\lnin  OF  THE  N  \  I  'ION  \L  Gl   \RD 

SAN  FR  VNCISCO  BA1 

s\N  FRANCISCO  ^S  \  HOME  CITI  '  -  ; 

SAN  FRANCISCO  INSTIT1  TE  OF  \HT 

SAN  FRANCISCO'S  SI  Bl  RBS  l94 

SAN  FRANCISCO  SYMPHONY   ORCHESTRA  '-'» 

SCHOOL  CENS1  S  ' l "' 

STATE  MINING  Bl  REAU.  .  '  -'■"' 

STEAMSHIP  LINES  '  '"' 

SI  TRO  BATHS   \M>  Ml  SE1  M  '  -: 

-i   rm>  HEIGHTS  lj: 

l  ELEGR  \NI  HILL  ' ': 

THEATRES  ' '' 

TWIN  PEAKS  n  NNEL  ' -': 

i  NITED  STATES  CO!  RT  HOUSE  AND  POST  OFFICE  BUILDING        l  -'' 

I  NITED  STATES  <  I  STOM  HOI  SE  '  -"' 

I  NITED  STATES  MINT  ' -"' 

i  \i\  ERSITl   OF  CALIFORNIA 

\\  \TI.H  SI  PPL^   OF  SAN  FRANi  [S<  0 

WESTERN  IND1  STR1  \l.  I  ENTER 

Mil  NG  MEN'S  <  1HRIST1  \n    ^SSOCl  \TH»\ 

YO\  NG  MEN'S  INST1  I  I  TE 

Mil  \(,  WOMEN'S  CHRISTIAN    USSO<  IATION 


134 
134 

1  (4 


SAN    FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAS1 


[NTROD1  CTION 

I^ORN  a  drowsy  Spanish  hamlet,  fed  on  the  intoxicants  ol 
^w  a  gold  rush,  developed  by  an  adventurous  commerce  and 
"  baronial  agriculture,  isolated  throughout  its  turbulent 
history  from  the  home  lands  of  its  diverse  peoples  and  comp<  lied 
to  the  outworking  of  its  own  ethical  and  social  standards,  San 
Francisco  has  evolved  an  individuality  and  ;i  versatility  beyond 
any  other  American  city. 

It    mellowed    the    Puritan   ;in<l   disciplined  the   Cavalier.      It 

appropriated  the  song  and  art  of  the  Latin.     Everj   g I  thing 

that  Anglo-Saxon,  Celt,  Gaul,  Iberian,  Teuton  or  Mongolian  had 
t<>  ollVr  it  seized  upon  and  made  part  of  its  life. 

S;m  Francisco  is  today  peculiarly  the  cosmopolitan  city. 
Because  its  social  elements  are  still  so  near  their  equal  sources, 
and  opportunity  still  beckons  everj  man  of  talent,  it  is  also  the 
democratic  city.  And  in  spiritual  freedom  and  forward  impulse 
and  the  \  i\  i<l  hope  of  great  achievement  it  is  the  one  renaissance 
city  of  the  present  day. 

The  beauty  ;in<l  grandeur  of  San  Francisco's  location  must 
delight  every  one  who  sees  the  region  properly.  With  the 
possible  exception  of  Constantinople,  n<>  other  city  has  such  a 
setting.  It  occupies  the  tip  of  a  peninsula  about  six  and  three- 
quarter  miles  across,  almost  surrounded  by  the  Pacific  0c<  an  on 
the  west.  S;in  Francisco  Bay  on  the  »;isi  and  northeast,  and,  along 
the  north,  the  Golden  Gate  connecting  the  two, 

'The  l>;isin  of  San  Francisco  Bay  is  a  magnificent  amphitheater 
rimmed  with  hills  thai  rise  here  and  there  h>  mountain  stature. 
In  the  bosom  of  this  amphitheater  li<  s  the  bay,  a  gleaming  she*  t 
•  lotted  with  islands  and  shining  sails,  crisscrossed  bj  bus)  ferry 
bouts,  and  ploughed  l>\  stately  ocean  steamers  or  big  square- 
riggers  from  "around  the  Horn."  It  is  sixtj  ti\<  miles  long,  from 
four  t«>  ten  miles  in  width;  and  into  it  the  great  rivers  ol  Cali- 
fornia, the  Sacramento  and  the  San  Joaquin,  discharge  th<  wat<  r 
that  t ; 1 1 1  s  on  the  west  slope  <>t  Ihe  Sierra  Nevada  mountains  and 
the  east  side  of  the  Coast  Range,  and  in  the  central  vallej  s<  ction 
of  the  Shite.  ;i  region  four  hundred  miles  long  and  from  ftftj  t«» 
sixty  miles  across. 

'The  Golden  Gate  is  Ihe  outlet  of  this  drainage  area  and  the 
channel  through  which  the  tides  ebb  and  tl<»w  between  the  bay 
and  the  ocean.  It  is  about  two  and  three-quarter  miles  I<>uli.  and 
one  and  one-eighth   miles  in   width,  and,  with   its  rolling  blue 


SAN    FRANCISCO       THE    FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL    METROPOLIS  of  the  PACIFIC   COAST 


water,  its  lighthouses,  fortifications,  islands  and  processions  of 
majestic  ships,  is  one  of  the  inspiring  scenes  of  the  western 
continent.  As  many  as  twenty-five  steamers  move  through  it  in 
a  day.  It  is  the  only  breach  through  the  ("oast  Range  mountains 
of  California.  Beyond  the  Golden  Gate  rise  the  huge  bluffs  and 
ridges  of  Marin  County,  their  endless  convolutions  painted  in 
subdued  and  harmonious  earth  colors.  Up  the  ocean  shore  can 
be  seen  long  points  of  land  running  westward  and  making  other 
bays. 

In  San  Francisco  itself,  at  points  almost  providentially  dis- 
posed, rise  hills,  from  three  hundred  to  over  nine  hundred  feet 
in  height,  from  whose  summits  superb  panoramas  of  the  city, 
bay  and  ocean  open  to  the  view. 

How  these  vistas  have  impressed  one  of  the  most  scholarly 
;m<l  discriminating  of  travelers  appears  in  the  oft-quoted  state- 
ment of  James  Bryce,  former  British  Ambassador  to  the  United 
States,  and  author  of  the  "American  Commonwealth,"  who  says: 

"Few  cities  in  the  world  can  vie  with  San  Francisco  either 
in  the  beauty  or  in  the  natural  advantages  of  her  situation; 
indeed,  there  are  only  two  places  in  Europe — Constantinople  and 
Gibraltar — thai  combine  an  equally  perfect  landscape  with  what 
may  be  called  an  equally  imperial  position.     .     .     . 

"The  city  itself  is  full  of  bold  hills,  rising  steeply  from  the 
deep  water.  The  air  is  keen,  dry  and  bright,  like  the  air  of 
Greece,  and  the  waters  not  less  blue.  Perhaps  it  is  this  air 
and  light,  recalling  the  cities  of  the  Mediterranean,  that  make 
one  involuntarily  look  up  to  the  tops  of  these  hills  for  the 
feudal  castle  or  the  ruins  of  the  Acropolis,  which  one  thinks 
must  crown   them." 


PORTA]  S  OF  THE  PAST 

10 


SAN    FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 


HISTORICAL 


SO  VITAL  to  operations  in  the  Pacific  is  the  port  of  San 
Francisco  thai  ii  became  an  objective  of  international 
strategy  nearly  a  century  and  ;i  half  ago.  The  need  was 
recognized  long  before  the  bay  was  known,  for  the  harbor  was 
then  uncharted,  and  its  name  belonged  to  thai  outer  indentation 
of  the  coast  now  called  the  Gulf  of  the  Farallones,  stretching 
from  Point  San  Pedro  on  the  south  to  Point  Reyes  on  the  north, 
and  including  the  cove  where  Drake  careened  his  vessel,  to  the 
northward  of  the  Golden  Gate. 

in  the  North  Pacific  the  dawn  of  civilization  was  slow.  The 
dim  lii*hl  of  the  sixteenth  and  seventeenth  centuries  shows  us 
the  shadowy  sails  of  the  yearly  treasure  galleon  hound  from 
Acapulco  to  Manila  and  sailing  down  the  California  coasl  on 
its  return,  a  few  English  privateers  lying  in  wail  for  it,  and 
little  else  on   that  whole  waste  of  water. 

The  galleon  needed  a  port  of  call,  and  in  1769  Jose  de  Galvacz, 
Spain's  "visitador"  in  Mexico,  knowing  the  Russians  were  coming 
down  from  the  north  and  hearing  rumors  of  English  and  French 
approaching  from  the  east,  determined  on  an  active  campaign 
for  colonizing  the  coast  of  California,  and  especially  thai  Bahia 
de  Puerto  de  San  Francisco  which  Vizcaino  had  mapped  by  thai 
name   in    1603. 

San  Francisco  still  occupies  its  vital  position  in  relation  to 
trade  routes.  If  we  substitute  Panama  for  Acapulco,  and  lull- 
powered  steam  vessels,  capable  of  bucking  headwinds,  for  the 
unwieldy  sailing  crafl  of  old,  we  can  appreciate  to  what  degree 
this  city  is  the  key  to  the  commerce  of  the  Pacific;  for  it  lies  s" 
close  to  the  (deal  Circle  route  from  Panama  to  Yokohama, 
Nagasaki,  Shanghai,  Hong  Kong  and  the  Straits  thai  to  drop  in 
at  this  port  lengthens  the  run  between  Panama  and  Yokohama 
by  only  163  nautical  miles,  an  inconsiderable  matter  in  a  total 
of  7( •>:><>. 

Several  expeditions  were  dispatched  northward,  l<»  establish 
stations.     One    of    these,    under   command    of    Don    Gaspar   d< 
Portola.  governor  of  the  Californias,  left  San  Diego  in  July,  1 T  * "» *  * 
hound  overland   lor  Monterey,  hut  overshot   it  and  fetched   the 
Hay  ol"  San  Francisco  instead. 

It  was  November.  The  rains  had  Ik  gun.  The  expedition  had 
been  nearly  lour  months  on  the  march.  It  had  been  scourged  by 
famine  and  scurvy.     Provisions  wire  down  to  acorns.     Portola 

ii 


/(.<> 


SAX    FRANCISCO  — THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC  COAST 

himself  was  ill.  In  poor  condition  the  party  lingered  a  few  days 
in  the  vicinity  of  San  Francisco  Creek,  where  Stanford  University 
now  stands,  while  Sergeant  Jose  Francisco  Ortega,  chief  of 
scouts,  explored  the  country  to  the  northward  and  thus  was 
probably  the  first  white  man  to  see  the  Golden  Gate;  which 
appears,  until  then,  to  have  been  remarkable  mainly  for  the  list 
of  great  discoverers  that  had  sailed  by  it  without  discovering  it. 

Five  years  later,  1775,  Don  Juan  Manuel  Ayala,  Lieutenant 
of  Frigate  of  the  Royal  Navy,  sailed  the  packet  San  Carlos, 
otherwise  the  Toison  de  Oro  or  Golden  Fleece,  into  the  Gulf  of 
the  Farallones,  as  the  roadstead  outside  of  the  heads  was  called, 
looking  for  that  Port  of  San  Francisco  which  Vizcaino  had 
Drakes  mapped  in  1603  and  Drake  had  visited  in  1579,  and  on  August 
Vi*u  5th  poked  his  bowsprit  into  the  Golden  Gate,  the  first  of  all  the 
Argonauts  of  the  western  world. 

The  following  year,  1776,  a  land  expedition  commanded  by 
Colonel  Juan  Bautista  de  Anza,  arrived  on  the  peninsula  and 
here  located  the  Presidio  of  San  Francisco  and  the  Mission 
Dolores,  as  it  was  called  from  the  little  creek  nearby — the 
Mission  of  St.  Francis  of  Assisi.  The  next  year  the  venerable 
presidente  of  the  missions  of  upper  California,  Padre  Junipero 
Serra,  arrived,  and  inspected  and  blessed  the  work. 

The  Spanish  plan  of  colonization  had  three  departments; 
the  religious,  the  military  and  the  civil;  which  were  represented 
respectively  by  the  Mission,  the  Presidio  and  the  Pueblo.  The 
Pueblo  they  called  Yerba  Buena,  after  a  medicinal  trailing 
vine  supposed  by  the  Spanish  to  facilitate  the  advent  of  fresh 
population. 

In  1802  there  were  eight  hundred  Indians  at  the  Mission.  In 
main,  they  were  an  unpromising  breed  and  have  utterly  dis- 
appeared. 

In  1822  Mexico,  with  California,  became  independent  of 
Spain.  In  1835  Governor  Figueroa  declared  the  Embarcadero 
of  Yerba  Buena  a  port  of  entry,  though  it  was  then  only  a 
"landing  place  for  fishermen  and  hide  droghers,"  with  a  tent 
which  belonged  to  the  harbor  master,  Captain  W.  A.  Richardson. 

Such  were  the  beginnings  of  San  Francisco.  The  year  of 
the  dedication  of  the  Mission  and  the  founding  of  the  Presidio 
was  the  year  of  the  Declaration  of  American  Independence. 
The  Pacific  Ocean  was  an  unbounded  waste.  Captain  Cook 
had  not  yet  made  the  English  discovery  of  the  Hawaiian  Islands. 
There  were  no  settlements  of  any  size  on  this  coast  south  of 
Alaska.  Lewis  and  Clarke  had  not  begun  their  work,  and  there 
was    no    Oregon,    no    state    of    Washington,    and    no    British 

12 


SAN   FRANCISCO  — THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 

Columbia.     As  far  as  the  concerns  of  white  people  go,   there 

was  no  Japan.  China  still  slept,  and  practically  the  whole 
commerce  of  the  Pacific  consisted  of  the  galleoD  which,  one. 
a  year,  passed  between  Acapulco  and  Manila.     After  the  time 

of   Portola    we  hear   no   more   of   that. 

Again,    in    the    eighteen-forties,    San    Francisco    became    an 

objective  of  international  strategy.     Small  as  the  settlement  was      ''■■rl 
at  that  time,  the  bay  was  a  coveted  prize  in   the  feeble  hands  of 
the  infant  Mexican  Republic. 

Russia  had  retired  up  the  coast,  but  England  and  France 
sent  expeditions  by  sea  that  looked  dangerous.  At  the  opportune 
time  the  United  States  stepped  in  as  Spain  had  done  before. 
Fremont  had  traversed  the  territory  with  an  "exploring  expe- 
dition" and  was  at  Klamath  Lake  in  Oregon;  Commodore 
Sloat  was  at  Monterey  with  frigate  "Savannah."  and  Captain 
Montgomery  was  in  San  Francisco  Hay  with  the  sloop-of-war 
"Portsmouth." 

Fremont  and  his  party  marched  down  to  Sonoma,  where  the 
Hear  Flag  was  raised   and    independence   declared. 

With  Kit  Carson.  Lieutenant  Gillespie  and  a  small  party, 
Fremont  crossed  the  bay  and  spiked  the  guns  ;it  the  Presidio. 
Sloat  raised  the  American  Hag  at  Monterey,  and  Montgonv  rj 
landed  a  party  from  the  "Portsmouth"  and  performed  the  same 
function  in  the  plaza  at  Verba  Buena,  July  X.  1846. 

From  the  last  mentioned  event  the  plaza  has  since  been 
called   Portsmouth   Square. 

In  1X17  Washington  Hartlelt.  the  first  American  Alcalde, 
or  mayor  and  judge,  learning  that  another  settlement  was  to 
be   started    farther    up    the    bay    under    the    name    of    Franc<  SCa, 

after  General  Vallejo's  wife,  and  fearing  some  loss  of  prestige 

to  his  city  thereby,  declared  it  was  time  to  drop  the  nit  aningh  ss 
name  of  Verba  Hnena  and  call  the  young  metropolis  San 
Francisco.  Much  was  in  ;i  name.  The  founders  of  "Franc  sea*' 
were  forced  to  change  their  plans,  and  look  the  lady's  other  name. 
Benicia;  and  the  ships  that  cleared  for  San  Francisco  Bay 
naturally  dropped  anchor  before  the  city  that  bore  the  harbor's 
designation. 

California  was  ceded  to  the  United  States  in   1848.     In  March      Thf . 

rnxuo 

ol    that  year  San   Francisco  had  about  820  people.  200  houses,  a 

school,  a  newspaper,  and  two  wharves.  A  Bfty-vara  lot  (137% 
feet  square)  north  of  Market  street  could  be  obtained  by  alcalde 

grant  for  $16,  which  included  recording  tees.  Smith  of  Mark-  t 
street   a   hundred-vara    lot   could   be   had   lor  $29. 

Within  two  years  there  were  over  20,000  people  in  the  city, 

13 


SAN    FRANCISCO        I  III.    FINANCIAL,  COMMERCIAL  and 
[ND1  STRIAL   METROPOLIS  of  the  PACIFK     COAST 


mid  there  were  three  daily  papers,  seven  churches,  two  theati  rs 
;iikI  ,i  jail.  Steamers  were  running  on  the  bay,  and  charging 
twenty  dollars  to  take  a  passenger  to  Sacramento.  By  Julj 
over  200  square-rigged  vessels  had  com.  into  port.  Within 
seven  and  one-half  months  697  vessels  arrived.  Man)  wen 
driven  on  the  beach  and  abandoned.  The  whalemen  had  t<» 
quit  S;ni  Francisco  For  Honolulu  For  Fear  of  losing  their  crews. 
Some  of  tin'  deserted  ships  became  hotels  and  nineteen  wen 
used  For  warehouses.  Commercially  the  city  had  leaped  to  tin 
importance  of  Philadelphia. 

It  was  ns  though  the  gianl  \ oice  of  some  primeval  world  Foi 
with  .-ill  the  winds  of  ocean  back  <>f  it.  had  thundi  red  "Sl<  ep  no 
more!"     Indeed,  with  the  breakfast  eggs  al  a  dollar  apiece,  col 
beds  ;it  five  dollars  a  night,  and  labor  ;it  twenty  dollars  a  day, 
nobody  could  afford  to  sleep. 

In  1849  $2,000,000  in  gold  was  exported  and  the  same  amounl 
in  goods  and  coin  came  back.  Gold  had  been  discovered  ii 
Coloma,  in  wh.-it  is  now  I.I  Dorado  County,  on  January  19,  1848, 
and  liv  the  Following  I  a  II  the  rush  was  on  From  all  over  the  world, 
bringing  nun  of  all  sorts  and  classes  i  xcepl  the  timid  and  1 1 1 « 
poor  in  spirit. 

The  noblesl  natures  and  the  scum  of  the  earth  Found  them- 
selves cheek  by  jowl  in  the  same  community.  For  a  time  tin  re 
were  neither  social,  religious  nor  legal  restraints,  no  institutions 
of  any  kind  to  lit  or  provide  For  such  conditions;  nothing  l>ut  a 
genera]  notion  on  the  pari  of  most  people  thai  order  and  equity 
ought  to  prevail,  and  that  robbery  and  violence  did. 

Within   ;i    IVw    months   there   were   ;i    hundred    unpunished 
murderers.     Then   the   Vigilance  Committee  hanged   lour  men, 
beginning  in  June  of  1851  with  John  Jenkins,  who  had  robbed  ;i 
store,  and  Following  in  .Inly  and  August  with  Stuart,  Whitaker 
;uid    Mel\<  n/.n  .     Ii\    1856  civil   authority    was   better   organized 
hut  tin-  eity  had  Fallen,  largely,  into  worse  hands,  so  thai  tin 
necessity  lor  .in  assertion  of  tin-  moral  character  ol    tie    com- 
munit)  set  nu  d  even  more  imperative.    With  the  shooting  "i  tin 
editor  of  the  Bulletin,  James  King  ol  William,  who  was  n  gardi  d 
.is  He    popular  defender  ol    righteousness,  bj    James   P.   «    isev, 
.-in  ex-convicl  From  Sing  Sing,  and  Supervisor  ol   the  <  d\   and 
County,   the    Vigilance    Committee   was   reorganized,   under   the 
leadership  of  William  T.  Coleman,  a  merchant,  and  proceeded 
to  eh  .in  things  1 1 1 >  in  such  manner  thai  San   Francisco  was 
model  of  municipal  purity  lor  tie    nexl  twenty  yean. 

Ilie   Committee   had    no   legal   authority.     I'm    ii    organized 
nearly    5000    men,    on    ;i   military    plan,    with    regiments    and 

15 


SAX   FRANCISCO  —  THE  FINANCIAL,  COMMERCIAL  and 
[NDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 

companies  of  infantry,  artillery  and  dragoons;  it  seized  arms 
from  the  Slate;  it  fortified  the  two-story  brick  building  known 
as  the  Trnitt  Block,  at  215  Sacramento  street,  using  gunny  bags 
filled  with  sand  as  a  barricade,  posted  sentinels  who  admitted 
qo  one  except  on  password,  held  secret  deliberations,  issued 
warrants,  summonses  and  other  processes,  sent  out  its  officers 
and  made  arrests,  and  maintained  a  jail  on  the  second  floor  of 
its  improvised  fort  for  the  accused  criminals  awaiting  trial  by 
its  juries. 

The    motto    on  its    seal    read:      "No    Creed,    No    Party,    No 
Sectional  Issues,"  and  for  three  months  it  gave  law  to  the  city. 
Etiabiuhino  The  Committee's  first  decisive  act  was  to  march  to  the  county 

Order 

jail,  plant  a  brass  cannon  in  front  of  the  door,  and  demand  the 
person  of  Casey.  The  sheriff  delivered  him  up.  In  the  jail  was 
Charles  Cora,  a  gambler,  who  was  awaiting  re-trial  for  killing  a 
United  States  marshal;  having  secured  a  disagreement  at  his 
first  trial  largely  through  the  influence  of  Colonel  E.  D.  Baker, 
his  attorney,  afterward  killed  at  Ball's  Bluff  in  the  Civil  War. 
The  citizen  army  took  Cora,  too.  It  held  these  men  until  James 
King  of  William  died,  and  on  the  day  of  his  funeral,  May  22, 
1856,  hanged  them  from  the  upper  story  of  Fort  Gunnybags,  in 
view  of  thousands  of  people  who  crowded  the  housetops  and 
the  hills  nearby  to  see  it. 

During  its  brief  control  of  affairs  the  Committee  banished 
thirty  undesirable  citizens,  and  eight  hundred  more  thought  they 
had  better  leave  of  their  own  accord. 

On  July  29,  1856,  Hetherington  and  Brace  were  hanged  and 
the    activities    of    the    Committee    began    to    subside.      It    never 
disbanded,  although  it  brought  its  labors  to  a  close  with  a  grand 
public  celebration. 
TheCivii  Among  the  citizens  of  the  new  State,  politics  were  turbulent 

from  the  first.  Out  of  the  hot  contention  between  Broderick  and 
Gwin  for  a  United  States  Scnatorship  grew  the  famous  duel 
between  Senator  Broderick  and  Judge  Terry.  It  was  fought  just 
over  the  line  in  San  Mateo  County,  and  resulted  in  Broderick's 
death.  Popular  sentiment  immediately  canonized  him  as  the 
exponent  of  Free  Soil  principles,  for  the  slavery  question  was 
becoming  acute  and  Broderick  had  been  among  those  that  con- 
tended against  slavery  in  California. 

As  the  drama  led  up  to  the  climax  of  the  Civil  War,  efforts  to 
draw  California  into  secession  became  more  and  more  deter- 
mined, but  were  defeated  largely  through  the  eloquence  and 
tact  of  a  Unitarian  clergyman,  Thomas  Starr  King,  of  Boston  and 
San  Francisco. 

16 


SAX   FRANCISCO       THE   I  IN  AM  l  \l..  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC  COAST 

King  was  a  man  of  culture,  and  among  a  people  materially 
prosperous  and  intellectually  starved  he  was  soon  in  demand, 

up  and  down  the  State,  as  a  Lecturer  on  literary  and  philosophical 
themes.  He  took  advantage  <>l  the  opportunity  to  weave  into  liis 
discussions  sound  unionist  and  tree  labor  doctrines,  and  did  it 
with  so  much  convincing  clearness  and  fair-minded  moderation, 
that  he  probably  contributed  more  than  any  other  one  man  t<> 
keeping  California  linn  lor  the  Union.  His  grave,  in  front  of 
the  church  at  Franklin  and  Geary  streets,  is  one  of  the  city*s 
proudest    nlics. 

Though  distant  from  the  theater  of  the  war.  San  Franciscans 
had  early  been  familiar  with  names  that  became  famous  in  thai 
struggle.  In  1853  Sherman  swam  ashore  from  a  wreck  and 
became  the  San  Francisco  representative  of  a  SI.  Louis  banking 
house.  Farragui  was  at  Mare  Island  when  the  Vigilantes  were 
up.  Hooker  owned  a  ranch  in  Sonoma  County,  and  with  Stone- 
nitiii  had  made  an  unsuccessful  effort  to  run  a  sawmill  at  Bodega 
Hay.  Fremont  had  a  ranch  in  Mariposa  County.  Halleck, 
Shields  and  Colonel  F.  1).  Baker  practiced  law  in  San  Francisco. 
McPherson  was  stationed  on  Alcatraz  Island  during  the  early 
period  of  the  war.  Lander,  Buell,  Ord,  Keyes,  rleintzelman, 
Sumner,  Hancock,  Stone.  Porter,  Hoggs,  (irant  and  Albi  it  Sidney 
Johnston  had  all  been  on  the  coast  at  various  times. 

As  the  Spanish  War  emphasized  the  need  of  a  canal  at  /f.../r.-,./ 
Panama,  so  the  Civil  War  before  it  called  attention  to  the  isola- 
tion of  the  Pacific  Coast,  and  the  need  of  a  railroad  to  conned  it 
with  the  East.  A  young  Connecticut  engineer  named  Theodore 
I).  Judah  had  been  called  to  California  to  build  a  line  from 
Sacramento  to  Placerville.  The  grandeur  of  Nisimi  thai  seems 
to  enchant  the  West  came  upon  him  and  he  dreamed  of  a  rail- 
road across  the  continent.  The  dream  seized  I. (land  Stanford, 
Collis  P.  Huntington,  Mark  Hopkins,  and  ('.harks  and  F.  B. 
("rocker.  They  asked  great  grants  from  Congress,  ami  the  hard 
logic  of  the  war  came  lo  their  aid.  On  July  31,  1862,  Congress 
passed  the  Pacific  Railroad  bill.    Ground  was  broken  in  January, 

1863.     They  built   loity  miles  of  snowsheds  in   Ihr  mountains  and 

they  carted  water  across  the  desert.     Iii  one  place  they  had  to 
haul  their  rails  7l<>  miles  by  wagon.    Hut  they  made  it,  and  drov< 
the  last  spike  at  Promontory,  in  Utah,  on  Ma\   in.  1869. 

The  blows  of  the  silver  sledge  on  the  spike  of  gold  w<  n 
repeated,  stroke  for  stroke,  on  a  big  bell  at  the  City  Hall  in  San 
Francisco.      The  road  did   not   reach   this  city  until  some  time 

afterward,    but    the    effect    was    to    link    California    to    the    nation 

indissolubly.     and      the     jubilation     of     the     city     was      just      as 

17 


SAN    FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 

enthusiastic  as  though  it  had  immediately  become  the  western 
terminus. 

Telegraphic    communication    with    the    Eastern    States    was 
established  in  1862. 

Comttoek  A  wonderful  phase  of  San  Francisco  life  and  one  that  left  an 

indelible  mark  on  local  character  was  connected  with  the  devel- 
opment of  the  mines  in  Nevada.  In  1859  a  Canadian  ex-trapper 
and  fur  trader  named  Comstock  stumbled  on  a  quartz  deposit 
on  the  side  of  Mount  Davidson  in  the  Washoe  Range.  This 
lode  appears  to  have  been  discovered  by  two  Irish  prospectors 
named  O'Reilly  and  McLaughlin,  but  Comstock  argued  them 
out  of  a  share  of  it  and  gave  his  name  to  the  lode.  When  the 
news  got  abroad  there  followed  the  greatest  mining  frenzy  ever 
known,  and  one  that  lias  not  yet  entirely  subsided.  Within 
thirty  years  the  Comstock  mines  produced  -$350,000,000  worth 
of  bullion  and  paid  $130,000,000  in  dividends,  mainly  to  San 
Francisco  shareholders 

Before  the  end  of  1861  nearly  one  hundred  companies  had 
been  formed.  By  1876  there  were  three  stock  exchanges,  all 
thriving.  Discoveries  of  "bonanzas,"  or  rich  deposits,  caused 
immense  jumps  in  price  in  a  few  hours.  At  one  time  the 
aggregate  paper  values,  as  quoted  on  the  stock  market,  ran  over 
$700,000,000.  In  1872  there  occurred  a  slump  in  stocks  in  which 
prices  dropped  $60,000,000  in  ten  days.  There  was  a  general 
rally  of  the  list,  and  another  decline,  in  1875,  of  $100,000,000, 
of  which  $42,000,000  was  lost  in  a  single  week.  Gradually  the 
excitement  subsided,  to  flame  up  again  fitfully  in  1886  and  then 
fall  away  onee  more. 

'"'"'umi  ^he    census   of   1900   gave    San   Francisco    a   population   of 

342,782.  That  of  1910  raised  it  to  416,912,  a  gain  of  over  twenty- 
one  per  cent,  in  a  decade;  and  between  the  two  counts  the 
city  suffered  the  greatest  fire  of  which  modern  men  have  any 
know  ledge. 

The  conflagration  of  April  18  to  21,  1906,  burned  497  city 
blocks,  or  four  square  miles,  out  of  the  heart  of  the  city.  From 
the  Embarcadero,  between  the  foot  of  Taylor  street  and  the  foot 
of  Howard,  it  swept  southwestward  to  Van  Ness  avenue,  got  a 
block  beyond,  from  Clay  to  Sutter,  jumped  Van  Ness  again 
between  Golden  date  avenue  and  Page  street  and  burned  three 
blocks  westward,  and  at  the  same  time  swept  the  populous  area 
south  of  Market  street  as  far  southeast  as  Townsend,  and  as 
far  southwest  as  Dolores  and  Twentieth. 

Twenty-eight  thousand  buildings  were  destroyed  in  three 
days.     The  railroads  carried  two  hundred  thousand  people  out 

18 


Recovery 


SAN   FRANCISCO 
INDUSTRIAL   Ml. 

■  THE 
TROl 

FINANCIAL, 

■oi.is  of  the 

COMMERCIAL  and 
PACIFIC   COAST 

of  town.  The  whole  business  districl  was  a  dreary  waste  of  ash<  s 
in  which  the  only  business  done  for  weeks  consisted  in  dragging 
sales  out  of  the  ruins  and  breaking  them  open  in  the  hope  of 
finding  some  of  their  contents  unburned. 

Yet  San  Francisco  today  is  greater  and  more  beautiful  than 
ever  and  we  are  inviting  the  people  of  the  WVsi  t<»  fashion 
shows  in  the  most  beautiful  modern  stores,  in  well-paved,  clean, 
brilliantly  lighted  streets  fashion  shows  richer  and  more  sump- 
tuous than  can  he  seen  anywhere  outside  of  Paris,  designed  to 
appeal  to  the  taste  and  pocketbooks  of  a  prosperous  people. 
And  the  city  as  a  whole  has  invited  the  world  to  the  greatest 
international  exposition  thus  far  held. 

Estimated  on  the  figures  of  the  public  service  corporations,  a 
sure  index,  the  population  of  San  Francisco  in  191  I  was  630,000. 
Heal  estate  sells  on  its  main  thoroughfares  at  >1  1,000  ;i  front 
foot. 

In  the  histories  of  American  cities  there  are  no  wonders 
comparable  to  these.  And  yet  in  looking  over  San  Francisco's 
past  one  is  forced  to  conclude  that  any  one  of  these  contributing 
causes  of  growth  might  have  been  omitted  and  yet  the  city  would 
have  been  here.  It  would  have  been  a  thriving  community  by 
this  time  without  the  gold  mines,  lor  Americans  were  beginning 
to  settle  in  California  before  the  presence  of  gold  was  generally 
suspected,  and  agriculture  and  commerce  would  have  made  San 
Francisco  great.  Order  and  security  would  in  some  way  have 
been  evolved  if  not  by  the  Vigilance  Committee.  The  Comstock 
might  never  have  been  discovered,  and  still  San  Francisco  would 
have  continued  to  thrive,  beyond  any  other  city  of  the  West. 

The  Spanish  galleons  no  longer  traverse  their  ancient  route 
from  Manila  to  Acapulco.  but  fleets  of  sled  and  steam  must  p.iss 
on  the  same  trail,  back  ami  forth  between  Europe  and  Asia. 
Despite  earthquake  and  lire,  the  city's  commercial  fabric  stands 
on  the  surest  foundation     that  of  economic  necessity. 


19 


O       o 


AN  FRANCISCO 


The  Financial,  Commercial  and  Industrial 
Metropolis  of  the  Pacific  Coast 

IN  THE  early  Fifties,  Horace  Greely  said  "Go  West,  Young 
Man,"  and  ambitious  young  men  have  been  going  West  ever 
since.  From  New  York  a  man  goes  West  to  Chicago  or  St. 
Louis;  from  there  it  is  West  to  Denver  or  Salt  Lake,  while  the 
Real  West,  the  Pacific  Coast,  is  usually  termed  the  Far  West. 

To  an  Englishman,  a  five-day  transcontinental  trip  in  a 
Pullman  is  undoubtedly  looked  upon  as  a  gigantic  undertaking. 
What  must  it  have  been  to  the  pioneer  of  '49  who  traversed  the 
Midland  Trail  in  prairie  wagons? 

While  the  Pacific  Coast  of  the  United  States  includes  Cali- 
fornia, Oregon  and  Washington,  each  section  of  which  has  its 
rightful  claims  setting  forth  their  own  peculiar  advantages,  this 
article  will  be  confined  to  the  commercial,  industrial  and  financial 
center  of  the  West — San  Francisco-  the  Exposition  City. 

California  is  750  miles  long.  Its  eoast  line  is  as  long  as  the 
Atlantic  Coast  from  Boston  to  Charleston.  South  Carolina.  In 
area,  California  is  equal  to  the  combined  slates  of  New  York. 
New  Jersey,  Massachusetts,  Rhode  Island.  Vermont,  Maine.  New 
Hampshire,  Connecticut  and  Ohio. 

And  yet  there  are  only  as  many  people  in  California  as  there 
are  in  Chicago! 

Does  that  spell  opportunity  to  you? 

CElie  population  in  California  in  1910  was  2,317,549,  an  increase 
of  sixty  and  one-tenth  per  cent,  over  thai  of  1900,  when  the  St;itr 
ranked  twenty-first  in  population. (  We  now  rank  twelfth.  Japan 
with  practically  the  same  area  supports  over  10,000,000  people. 

By  this  time  you  are  wondering  why  no  special  mention  lias 
been  made  of  San  Francisco.     What  has  the  State  to  do  with  the 

21 


SAN    FRANCISCO    -THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL    METROPOLIS  of  the  PACIFIC  COAST 


fj^in  Francisco  bears  the  sain 
hat   New   York  docs    to   the   nal 


City?  It  is  the  back  country  upon  which  the  city  depends— the 
backbone  of  the  metropolis.  The  fertile  valleys  of  the  Sacra- 
mento and  the  San  Joaquin,  extending  some  six  hundred  miles 
in  length,  as  well  as  the  Napa,  Sonoma  and  Santa  Clara  valleys, 
all  drain  into  San  Francisco  Bay.  The  products  of  these  valleys 
are  shipped  to  all  parts  of  the  world,  from  San  Francisco.  Here 
the  raw  materials  are  manufactured  into  the  finished  products. 
These  goods  are  all  handled  by  San  Francisco  brokers,  commis- 
sion houses  and  warehouses.  The  hanks  finance  most  of  the  big 
enterprises.     A  lew  lads  and  figures  might  he  of  interest  to  you: 

|i\\K   <I.K\m\(;S  FOR  1914— MONEY  TALKS 
San   Francisco    $2,516,004,817 

One   hundred   and   fifty  millions  greater  than  the  com- 
bined clearings  of  the  next  throe  largest  coast  cities: 

Los  Angeles   $1,145,674,870 

Seattle    027,801,17!) 

Portland     577,07o,o38 

—    $2,350,011,587 

une  relation  to  the  Pacific  Coast 
tliat  New  York  does  to  the  nation.  For  the  year  1913,  San 
Francisco  ranked 

1st  in  actual  value  of  land  and  improvements  per  capita. 
3rd  as  a  bond  market. 

3rd  in  average  capital  per  national  hank. 
4th  in  building  contracts. 
5th  in  foreign   imports. 
5th  in  total  national  banking  capital. 
7th  in  foreign  exports  of  domestic  goods. 
8th  in  bank  clearings.  ^—. 

11th  in  number  of  manufacturing  establishments./ 
Over  one-half  the  population  are  savings  bank  depositors. 
The  total  amount  expended  in  the  rebuilding  of  San  Francisco 
is  equal  to  the  cost  of  the  Panama  Canal. 

San  Francisco  has  a  lower  percentage  of  bonded  debt  to  the 
assessed  valuation  than  any  larger  city  in  the  United  States. 

Of  the  eleven  principal  cities  of  the  United  States,  San  Fran- 
cisco has  the  lowest  percentage  of  mortgage  indebtedness  on  real 
estate  and  the  highest  actual  valuation  of  land  and  improvements 
per  capita. 

These  indisputable  facts  prove  conclusively  that  San  Fran- 
cisco is  a  strong  and  sound  financial  center;  in  fact,  the  largest 
west  of  Chicago,  and  is  the  undisputed  financial,  commercial 
and  industrial  metropolis  of  the  Pacific  Coast  or  the  regional 
hank  would  not  have  been  located  here. 

(jThe  largest  fruit  and  vegetable  cannery  in  the  world  is  located 
in   San    Francisco!   and    Hie   only   chocolate,   perfume   and   glass 

22 


SAN   FRANCISCO       THE   FINANCIAL, 
INDUSTRIAL    METROPOLIS  of  tin 

COMMERC1  \l.  and 
PACIFIC   CO  AS! 

works  on  the  Coasl  are  doing  a  big  business  hereA  The  largest 
ship  building  plant,  dry  < l< *t- k .  cooperage  and  cordage  factory  in 
the  West  are  located  here,  where  nearly  every  variety  of  manu- 
factured article  is  to  be  found. J 

I  hw  speaking  of  San  Francisco,  the  metropolitan  ana.  or  what 
is  better  known  as  Greater  San  Francisco,  is  often  referred  to. 
The  city  itself  is  a  consolidated  city  and  county  occupying 
forty-six  and  one-half  square  miles,  situated  on  the  end  of  a 
peninsula  surrounded  by  water  on  three  sides  the  Pacific  <  tcean 
on  the  west.  San  Francisco  Hay  on  the  east  and  north,  and  the 
Golden   (late  on   the  nortlr/ 

After  the  fire  of  1(.!(iii.  several  thousand  people  moved  across 
the  hay  to  Alameda  County.  Here  we  have  the  three  cities  of 
Oakland.  Alameda  and  Berkeley,  with  a  combined  population 
of  300,000.  There  are  ('.0.0(1(1  people  in  Marin  County  to  the 
north  and  San  Mateo  County  to  the  south.  These  compris. 
the  Greater  San  Francisco,  which  exists  today  in  every  form 
except  politically.  It  is  a  city  well  over  ooo.ooo  people,  and 
would  he  the  fourth  largest  city  in  the  United  States  it  it  existed 
politically. 

In  Richmond,  across  the  hay.  are  located  the  largest  winery 
and  oil  refining  works  in  the  world.  The  only  cotton  mills  in 
the  West  are  in  Oakland,  where  the  entire  output  of  the 
Imperial   Valley   is  manufactured   into  yarn,   thread   and   cloth. 

Large  well-equipped  wholesale  houses,  carrying  the  mosl 
Complete  stocks  in  the  West,  annually  sell  millions  of  dollars 
worth  of  eastern  manufactured  goods. 

The  retail  district  is  frankly  acknowledged  by  all  who  know. 

to     he     the     finest     ill     llle     world.       The     stol't  s     ;in      all     Hew      and 

exceptionally   beautiful,   containing  a   great    variety   of  staples, 

as  well  as  the  finest  products  of  French  and  other  Foreign   looms. 
The  soeial   life  of  San    ITaneisco   is  all   that   could   he  desired. 

Homes  <»t  all  sizes,  descriptions  and  rentals  may  b<  secured 
to  suit  one's  needs.  It  is  the  greatest  hotel  cilv  in  the  United 
States  in  proportion  to  its  size,  and  is  exceeded  only  h\  New 
York  in  the  number  of  accommodations.  The  apartment  house 
district  has  grown  with  great  rapidity  of  late.  Cottages,  bunga- 
lows, homes  on  the  installment  plan,  and  residences  in  restricted 
building  tracts,  all  tan  he  found  in  desirable  localities. 

Clubs,  both  athletic  and  social,  are  numerous.  Tin  Y.  M. 
C.  A.  has  a  handsome  building  near  the  heart  <»t  the  city. 
Churches  of  every  description  are  to  he  found.     San  Francisco 


23 


2 


J        « 


SAN    FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  I'M  II  IC   <  0  \ST 

is  probably  the  most  cosmopolitan  city  on  the  continent  The 
largest  French  savings  bank,  library  and  hospital  outside  of 
France,  are  located  here.  Banks,  newspapers  and  restaurants 
of  every  nationality  bespeak  of  flourishing  residents  From  all 
quarters  of  the  globe.  The  theaters  are  new  and  numerous. 
Il  is  not  unusual  to  get  the  eastern  attractions  via  special  train 
across  the  continent.  The  hospitals  and  sanatoriums  are 
equipped   with   the   best    that    the   medical    Fraternity   can    find. 

Patients    journey    to    San    Francisco    from    Alaska    to    Mexico    to 

receive  medical  attention. 

According  to  the  figures  of  the  United  States  Weather  Bureau 
there  arc  more  hours  of  sunshine  yearly  in  San  Francisco  than 
in  Boston.  New  York,  Philadelphia.  Chicago,  Pittsburg  or  St. 
Louis.  The  average  winter  temperature  is  51  and  the  average 
summer  temperature  59  .  The  lowest  temperature  ever  offici- 
ally recorded  here  is  20  above  zero.  Snow  has  Fallen  but  six 
times  in  the  city's  history.  Flowers  are  sold  in  the  open  air 
the  year  round  at  the  principal  downtown  corners. 

Mine  Tetrazzini  sang  in  the  streets  to  100,000  people  on 
Christmas  eve,  1910,  and  Kubelik,  Bispham,  Attn.  Marguerite 
Chambellan  and  others  appeared  in  a  great  open  air  concert  ;it 
the  same  time  the  Following  year,  before  as  large  a  gathering. 

One  hundred  and  fifty  members  of  the  Olympic  Chub  go 
swimming  in  the  ocean  on  New   Year's  day. 

rinse  Facts  should  vividly  impress  upon  your  mind  one  "I 
San  Francisco's  biggest  assets  her  climate.  Overcoats  and  Furs 
can  be  worn  the  year  around,  or  hells  and  soft  shirts  can  take 
their  place  according  to  your  constitution.  Blizzards,  hurri- 
canes, heat  prostrations,  tornadoes,  floods,  typhoons,  sun-stroke, 
arc  unknown.  No  long  cold  winters,  with  streets  covered  with 
snow,  no  hoi  sultry  summers  when  living  is  insufferable.  The 
butter  stays  hard  here  without  the  use  of  ice  or  an  ice  box. 
'The  time  has  yet  to  conn  when  you  will  have  i<>  pour  hot  water 
on  the  water  pipes,  to  th.iw   them  out. 

One's  own  personal  comfort  counts  For  a  great  deal  in  this 
life.  When  you  can  secure  Food,  which  would  be  considered 
a  luxury  in  most  parts  of  tin  world.  ;it  reasonable  prices,  and 
comforts  as  well  then  life  is  worth  while.  Daily  shipments 
are  received  of  Fresh  <  i_^s.  milk,  butter,  meat.  Fruit,  fish,  crabs, 
oysters  and  poultry.  These  are  not  cold  storage  shipments,  hut 
consignment  Fresh  From  source  of  supply  less  than  a  hundred 
miles  away. 

25 


SAN    FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL    METROPOLIS  of  the  PACIFIC   COAST 


Cosl  of  supplies  for  three  meals,  or  one  day's  rations,  as 
specified  by  the  United  States  Revenue  Cutter  Service,  are 
cheaper  at  Sun  Francisco  than  in  twenty-one  other  cities  of 
the  United  Stales.  Evidently  the  high  cost  of  living  is  not 
based  on  a  standard  having  ils  inception  here. 

Perhaps  by  now  you  have  some  conception  of  what  "doing 
West"   may  mean   to  you.     To  a  city  yet  young,  where  a  few  of 
tin     first    settlers    are    still    living,   situated    on    the    largest    land- 
locked  harbor   in    the   world,   where  competition   is   welcomed 
with  climate,  health  and  happiness,  we  bid  you  enter. 

Nature  has  decreed  that  San  Franeiseo  is  to  be  a  large  city. 
In  lime  she  will  undoubtedly  be  the  second  largest  city  on 
the  continent.  With  the  rich  trade  of  the  Orient,  as  yet  un- 
developed, with  steamer  lines  now  running  direct  to  China, 
Japan,  Australia.  New  Zealand.  Alaska.  British  Columbia,  Phil- 
ippines, Mexico  and  all  of  Central  and  South  America,  to  say 
nothing  of  additional  lines  which  will  operate  through  the 
Panama  Canal;  with  an  Oriental  population  greater  than  that 
of  Europe,  and  the  Chinese  Republic  just  awakening,  there  is 
no  reason  to  doubt  but  what  San  Franeiseo  will  reach  second 
place.  While  the  whole  Pacific  Coast  is  bound  to  benefit  by 
this  increase  in  trade  and  the  influx  of  immigration  from 
Europe,  we  claim  San  Franeiseo  will  receive  the  lion's  share, 
dm-  to  her  present  pre-eminence  commercially,  industrially 
and  financially,  and  the  fact  that  nature  has  provided  the  back 
country  and  the  only  real  harbor  on  the  Pacific  Coast. 

It  is  of  interest  to  note  that  the  total  value  of  all  shipments 
eastbound  through  the  Panama  Canal  for  the  first  six  months 
the  waterway  was  open,  were  greater  out  of  San  Franeiseo 
than  the  combined  shipments  of  all  other  Pacific  Coast  ports, 
including  Hawaii. 

European  steamer  lines  will  run  steamers  to  San  Francisco 
direct  from  European  points  at  a  rale  but  little  in  excess  of  the 
present  rates  to  the  Atlantic  sea  coast.  Here  the  good  sturdy 
stock  of  France.  England,  Ireland.  Germany,  Italy,  Sweden,  and 
Norway  farmers,  laborers,  machinists,  artisans  of  all  kinds, 
will  find  ready  work  and  plenty  of  it.  With  the  soil  awaiting 
them  and  opportunities  that  do  not  exist  in  the  already  crowded 
centers  of  the  Fast,  they  will  find  conditions  far  superior  to 
what   they  ever  had  at  home. 

The    Golden    Gate   bids   you    welcome. 


2fi 


SAN   FRANCISCO       THE   1  IN  AMI  \l.. 
[NDUSTR]  \l.    Ml.  I  ROPOLIS  of  the 

COMMER4  I  \l.  and 
PACIFI4     COAS1 

REAL  ESTATE  WD  REB1  [LDING 
OPER  VI  IONS 

\',\  \\  II  I  I  \\l    \    MAGEE 

w  ■  ^lHE  opening  <>l    tin-  Panama-Pacific   International   Kxposi- 

MM.1.  .  .  .  ,  ' 

lion  to  tin-  world   recently  may  In-  c«»nsni<  r<  d   m  a    \va> 

• 

M       tin    culmination  of  tin-  rebuilding  ol   San  Francisco  after 
tin-  lire  of  April  18,  1906.    Tin-  total  building  contracts  entered 
into   since   tin-   Hit    and    up   to   January    1.    1915,   amounted    to 
•^li.s.x.TNO.'.n.s.     This  is  without  doubt  an  extremely  conservative 
estimate  of  tin-  amount  of  money  invested  in  new   buildings  in 
San  Francisco  after  tin-  fire.     All  buildings  erected  within  two 
years  after  tin-  lire  cost  from  twenty-five  t<>  thirty  per  cenl  mon 
than  tin-  original  recorded  contract  price;  since  then  thej   have 
cost  nt  least  ten  to  fifteen  per  nut  more  then  tin    original   n 
corded  contract  price.     Ii  is.  therefore,  conservatively  estimated 
Hint   the   total  amount   expended   tor  building  operations  sin 
tin-  lire,  and   up  to  January   1st  of  this  year,   was   £328,501 
This  money  was  provided  as  follows: 

From   insurance  <>n  buildings  burned 

in   the  great    Are    (as  distinguished 

from  insurance  on  contents,  per- 
sonal propertj  .  etc  I  - 125,000,000 
Borrowed  on  mortgage  from   Eastern 

life  insurance  companies,  ;is  per  list 

given  Itclnw  12*239,1 

Borrowed  <>n  mortgage  ir financial 

institutions  in  '  .ill i orn ia,  < lutsidc  of 

San  Francisco  .  5,279,9 1G 

I  in-    balance    raised    entire!}    in    San 

Francisco  084 



As  to  tin  $125,000,000  collected  on  fin  insurance  policies,  it 
is  generally  considered  thai  this  money,  after  it  had  I"  <  n  paid 
h\  tin  various  insurance  companies  in  settlement  <•!  the  insur- 
ance losses,  actually  belong  i<>  San  Francisco  real  cstah  owners 
to  spend  and  do  as  thej   pleased  with,  <»n  the  theory   thai  thej 

had  tor  1 1 1 ; 1 1 1 \   years  previously   paid  g I   fire  insurance    r.it«  >» 

for  protection,  and  that,  th<  n  ron  .  in  i  iargi  i  k  mn.  .  ill.  \  w,  r, 
spending  their  own  tnonej  in  putting  back  ilus  $125,000,000,  oi 
tin  greater  pari  ol  it.  into  buildings.  All  the  help,  therefore, 
which  this  (ii\  has  obtained  outsid<  "i  San  Francisco  in  tin 
erection  ol  £328,500,000  worth  ol  buildings  is  M7,500.000j  With 
this  statement    as  a   basis,   it    follows   that    local   savings   banks 


Ill1'1 

% 

mm"1 

I  ui  in  ni 

hi  in  in 

in  in 

HI  111 

1,1  in 


"HUllUlUH 

ii  ii  ii  ii  mi  111 
ii  ii  ii  u  ii  ii  in 

II II II II II  III  Hi 
II II 31 II II  hi  ii  i 
ii  ii  ii  ii  ii  in"1 
ii  ii  ii  ii  «r 
iiffiUU 


ftiftl 


THE  MERCHANTS  EXCHANGE  BLOG.-  ch^mrofcwmrce 


SAN   FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC     COAS1 

;iikI  local  institutions,  together  with  private  local  capital,  bav< 
financed  the  rebuilding  ol  Sao  Francisco,  with  verj  littl<  help 
from  the  otuside  w  orld. 

Therefore,  the  rebuilding  «»t  S;in  Francisco  was  financed 
with  only  $12,239,000  borrowed  in  th<  Easl  from  lit<  insurance 
companies,  and  $5,279,916  from  financial  institutions  id  Cali- 
fornia, outside  of  San  Francisco.  The  balance  ol  $311,000,000 
was  S;ui  Francisco  capital.  Nearly  one-half  of  it  was  loaned 
by  the  banks  and  various  financial  institutions  <>i  San  Fran- 
cisco, and  the  remainder  was  raised  in  various  ways  in  S;m 
Francisco,  as  is  shown  in  detail  in  the  tabl<  below.  This  total 
dots  not  include  the  immense  amounts  <»t  money  ■  \\><  nd<  d  l>\ 
our  merchants  and  manufacturers  in  rehabilitating  tin  busi- 
ness  of  the  city,  nor  the  large  amounts  expended  by  the  munici- 
pality, the  Shite  and  the  United  States  government  for  public 
improvement,  nor  dots  it  include  the  larg<  amounts  expended 
by  the  Panama-Pacific  International  Exposition  For  Exposition 
buildings  prior  to  December  31,  1912. 

Loans  by  Eastern  tile  insurance  companies ?1 2,239,000 

Loans  by  California  financial  institutions,  outside  of 

San  Francisco  5,279,916 

Loans  bj  San  Francisco  s;i\  ings  banks,  insurance  com- 
panies, building  and  loan  associations  and  private 
individuals 


Total  mortgage  debl  on  San  Francisco  real  estate     1156,704 

A  careful  study  and  comparison  <>f  the  abov<    figures  must 

emphasize  the  strength  ol  our  position  before  the  fin    overto 

us.  especially   when   it   is  remembered   thai   the   total   mortg 

dehl  on  San  Franc isco  real  estate  <>n  January    1.  1906,  just  h< 

ton-  the  fire,  w;is  $86,000,000.     Herewith  is  given  in  detail  tin 

total  mortgage  debl  on  San  Francisco  peal  estate  on  January   1, 

1915,  every  item  <>i    which,  with   tin    exception  ol   one,  is  from 

actual   figures  furnished  l>\    the  banks  <>r  instituitons  to  which 

the  money  is  due.    The  one  exception  is  ;is  in  tin    amount  dm 

to  private  individuals  on  mortgages,  the  actual  figures  ol  which 

it  is  not  possible  to  obtain,     lie    estimate  is  based  on  the    rels 

lion   between   the   total   mortgages   recorded   and   tin    mortgages 

recorded   to  private  individuals  for  the  pasl   twentj  Bv<    years 

To  Savings  Banks : 

II. I. run.,  Bank  M2.012.162 

German  Bank  29.277 

S  i\  ings  Union  Bank  l<    II 

Mutual  Sa>  ings  Bank 

Union   Trust   <  o.  1.01  I 

Bank  of  Italj  i 

Humboldt  Sa>  ings  Bank  1. 15  i 

I  •  i  nch  Vmeric  m  Bank  ol  Sa>  ings  190.1  \\l 

Banco  Popolare  ( Iperaia  Italian 


I*,' 


SAN    FRANCISCO    -THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC  COAST 


Savings  Bank 
I  >■  posit*  and 


/'</.'. 


To  Savings  Banks  —Continued 

Anglo-California  Trust  Co $1,219,395 

Security    Savings  Bank   2,<S77,(i!)l 

Italian-American   Bank   1,805,577 

(  lolumbus  Savings  Bank 1 , 3 li «S ,  12 ( ;  1 

Mission  Savings  Bank 1 ,552, 105 

Internationa]     Banking    Corporation 

(Savings  Department)   165,965 

Portuguese-American   Bank    (Savings 

Department)    133,22.") 

Marine  Hank    .'i(>,550 


To   private  individuals   (estimated)    

To  Fireman's  Fund  Ins.  Co.  of  S.  F 

To   West  Coast  Life  Ins.  Co.  of  S.  F 

To    Building  and  Loan  Associations  of  S.  F 

To  California  Financial  Institutions: 

San  .lose  Safe  Deposit  Bank  of  Savings. $1,225,000 

Trustees,    Stanford    University 2,403,125 

Regents,  University  of  California 150,000 

Pacific  Mutual  Life  Ins.  Co 470,200 

Other    California    financial    institutions, 

outside   of  San   Francisco 1,022,591 


si  11,403,248 

22,298,650 

1,273,000 

395,500 

2,725,153 


To  Eastern  Life  Insurance  Companies: 

New  York  Life  Ins.  Co $3 

Equitable   Life   Assurance  Society 2 

Northwestern  Mutual  Life  Ins.  Co 2 

Mutual  Life  Ins.  Co 2 

Metropolitan  Life  Ins.  Co 1 

Penn  Mutual  Life  Ins.  Co 


5,279,016 


050,000 
964,000 

7(10,000 
300,000 

1)7."), 000 
150,000 


12,239,000 

Total    mortgage    indebtedness   on    San    Francisco 

real  estate  on  January  1,  1015 *l">(i,7()4,467 

Table    showing    deposits    in    our    savings    banks,    amounts 

loaned  bv  San  Francisco  savings  banks  on  San  Francisco  real 

l. ail  lis  "  l  l  • 

estate,  on   California  real  estate  and  on  all  real  estate,  savings 


deposits  Sun  Francisco  banks  and  real  estate  loans 


HANKS 


The  Hibernia  Savings  &  Loan 

Society 

German     Savings     A     Loan 

Society 
S:i\  iiil's  Union  Bunt. 

Co  

Union  Trust  Co         

Mutual  Savings  Hank 

.-.1    branches 

only) 

Humlxililt  Savings  Hank.  .  .  . 
\ni' man     Bank     of 
Savings 

Bancs  Popolare  <  Iperaia  Etali- 
ana. 

\nt'l' -California  Tru  ' 

gS  Bank 

Italian-American  Bank 

Columbus   Savings   &   Loan 
Society  

Mission  Savings  Bank 

International  Banking  Corpo- 
ration 

Portuguese- American  Bank   . 

Marine  Bank 


Savings 
Deposits 


54,277.91 

31,945 

'.■..VJii.781.80 
8,614,344  19 

8,431,726.31 
6,186,862.30 

5,252,710.97 

4,585.918.89 

V,  ,419.94 

22  152  19 

240.71 

:  545.29 
1,903,020.12 

1.233,878.97 

- 


Totals - 


I  iommercial 
Deposits 


S3.2'.I2.235.2S 


1,858,971.45 
12,827,981  '.1 


:'.,!Ms.m.21 


131,085.14 
5,398,975.39 


1,554,490.02 


2,680,127.70 
553,925.45 


Loans  on 

Ban  I  r  incisso 

Real  Estate 


132,012,162.02 
29,277,436  19 

16,419,396.87 

l.nl'M.s.;  pi 
5,673,766.73 

4,635,479.48 
1,454,594.95 

3,490,441.87 

2,391 

1,219,395  15 
2,877,691  27 
1,805,577.11 

1,328,260.90 
L.552,404.69 

165.965.00 
133,225.00 
36,549.84 


202.13 

30 


H11.493, 248.78 


Loans  on 

Other 
California 
Real  Estate 


S2, 134, 134.42 

7,548,757.34 

3,282,033.86 
615,710.00 
121,400.00 

195,848.04 

100,953.15 

164,500.00 

161,996.43 
738,811  38 
140,128.43 

325,760.00 

70,221.35 
27  556  J3 

183,417.64 
632,174.50 
123,927.60 


$16,567,430.97 


Loans  on 

All 

Real  Estate 


Percent- 
age of 
Loans  to 
Deposits 


$34,146,296.44 

40,900,693.83 

19,701,430.73 
4,638,621.19 
5,795,166.73 

4,831,327.52 
4,555,548.10 

3,654,941.87 

2,553,231.65 

1,958,200.53 
3,017,819.70 
2,131,337.11 

UflS.482.25 
1,580,061.52 

349,382.64 

7t)5,3!l!)..iO 
160,477.44 


.61 

.78 

.61 
.49 
.67 

.57 
.73 


.56 
.48 
.83 
.60 

.59 
.83 

.28 
.88 

.78 


(132,128,424.751 


.65 


S.\.\    FRANCISCO       THE    FINANCIAL.  COMMERCIAL  and 
INDUSTRIAL    Mil  ROPOLIS  of  the  PACIFK     COAS1 


Of  the  eleven  principal  cities  of  the  I  nit<  <l  si  it<  s,  San  Fran- 
cisco Ikis  the  lowest  percentage  <>r  mortgage  debt  on  real  estate, 
the  <lcl)t  being  only  eighteen  per  cent  ol  the  actual  valm  ol 
real  estate  and  improvements,  and  the  highest  actual  valu<  ol 
l.iixl  and  improvements  per  capita,  ;is  shown  in  Hi.  following 
table  (191  r>  : 


Population 

CITIES 

1913 

\  — .--.-riit-ti  t 

Impr. .  • 

N 

Philadelpl 

1,554  : 

■ 

1,186  1 

Baltimore 

100 

Cleveland 

■ 

Hull:. In 

San  Francisco 

ibove  table  ».l-  compile  I 
named.    It  would  !«■  impossible  I 

althmiuli  one  yur  ol 


Table  showing  population,  bank  clearings,  real  cstat<    sales, 
savings  deposits  <- 1 n < I  building  operations  from  1895  to  191  I: 


^  •  ar 

Popu 

1805 

'Ol 

ooo 

■ 

1897 

1809 

00 

1901 

1  17»  !■ 

00 

1904 

1908 

ooo 

ooo 

191  1 

115,912 

1911 

1912 

191  I 

I'M  t 

*'•' 

Buffalo    

Philadelphia 
Chicago  . . . . 
<  Cleveland 

New   York 


.... 

51 
19 
II 


Boston 
si    Louis 
I  'ittsburgh 
Baltimore 

SAN    ll;  \\«  ls«  « i 


18 


Detroil    39 

In  reference  !<•  the  percentage  <>i  mortgagi  « I <  I •  t  mi  real 
estate  in  S;m  Francisco,  as  compan  <l  with  <>tli<  r  y<  ars,  w<  h<  n  - 
with  u i \ »  the  percentage  ol  mortgagi  indebtedness  <>i  tin  vari- 
ous \ ears  since  the  Bre: 


si 


Hotut 


Root 
Bros. 


.Ins. 

Fredericks 


hni  is, 
Schonwasser 


-■pim  11  n n fr ir »  f ^ 


L,?cwM3P%m 


'~"-4*»ter   | 


ass*  K 

"■■■lit 


Uac<| 


Titlma 
lientlel 


BUILDINGS  ERECTED  AND   .,   VSED    nv   BALDWIN  *  HOWELL 
IN     I  HI,    NEW    SAN    FRANCISCO 


SAN   FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC  COAS1 


i  .1  < 

April  1,  1906  (Jusl  before  Bre)  1 1  April  I.  1910 

April    1.    1907 II  April  I.  I'M  1 

April   I.  1908 17  April  1.  1912 

April   1.  1909 18  April  l.  1913. 


17 
18 


The  immense  building  operations,  which  took  plao  immi  di- 
ately  after  the  fire,  continued  for  lour  years  up  to  and  includ- 
ing 1909.  Since  1910  they  have  been  normal,  in  accordant 
with  tlic  requirements  of  ;i  growing  city,  since  the  fire  build- 
ing contracts  were  entered  into  for  a  total  «»t  $288,780,918.  The 
following  table  shows  tin  total  of  building  operations  from 
1895  to  191  1.  taken  from  the  record*  d  contacts;  th<  actual 
amounts  expended  in  building  being  much  larger,  ;is  is  >  \- 
plained  on  another  sheet  herewith. 


Year. 

1895 
1896. 
1897. . . 

I  MLS 

1899. 
1900.    . 

nun. 
1902 

I '.in:; 


V  i ml 

19,9  l^ 
5,621,4  12 
1,203,900 
::.  190,603 
1,732,748 
6,390,705 
7,437,562 
1  1,289,933 
1  1,984,51  l 


1  HI 

1905 

1906. 

1907. 

1908. 

1909 

1910 

I'M  1 

1912. 

1913 

191  l 


$20,11  ' 
39,254,467 

.".ii.  I'1 
35,12? 
30,41  1.191 

L!U.n7::.''  12 
24,49 

32,79" 
30.468, 1. .7 


1904 16,916,1  is 

As  will  he  seen  by  reference  to  the  following  table,  in  which 
is  shown  the  building  operations  for  the  year  1914  lor  the  til- 
teen    cities   with    the   highest    totals   in    the    United   States,    s 
Francisco  takes  fourth  rank  lor  tin   year  in  building  op<  rations. 


<  itiei 

New   Y<>ik 

( Chicago    

Philadelphia    , 
San  Francisco 

Dell.. it      .  .  . 

Cleveland 

Ri  ixl  i  hi 

I. us  Angeles 

Pittsburgh 

Minneapolis 

Si.  Louis 

Buffalo    

New  ark  . 
Milw  aukee 
Portland,  ore. 


1131,666, 

2, I 

35.38 

30,  I1 

28,21 1.' 

27,309,000 
22,9  18,1 

;  I. 

I  8,19  I. 

I  5  220, 

ll.l  20,000 

■  1 

10,06  l. 

.". 


33 


rmvnMJL 

E?V     e  f  =t  «  ij  •4m1 


SAX   FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   I  OAST 


MANUFACTUKIV;   l\  SAN   FRANCISCO 

\\i  w  \nm;\  m  \\i  \.\ 

Inform:! i  ion  and  Statistical  Department  of  the  San  Francisco  <  bamber  oi  <  ommerce. 

FI^IIK  Chamber  of  Commerce  is  diligently  at  work  paving 
the  way  for  a  thorough  and  complete  industrial  survey 
^*^-  of  San  Francisco.  The  necessity  for  having  statistics 
at  hand  for  ready  reference  was  occasioned  through  inquire  s 
which  are  being  constantly  received  relative  to  the  establish- 
ment of  factories.  These  inquiries  come  from  all  parts  of  the 
United  States  and  relate  to  every  conceivable  business.  Everj 
letter  which  is  received  is  given  attention  by  the  Information 
and  Statistical  Department,  and  full  data  is  furnished  relative 
to  the  factory  sites,  raw  materials,  cost  of  light,  water,  heat, 
power,  fuel,  labor,  transportation  rates,  selling  markets,  city 
ordinances.  State  laws,  competition,  etc.  In  this  work  the 
Industrial  Departments  of  the  large  electric  light  and  power 
companies  have  been  a  greal  help  in  so  far  as  giving  us  data 
concerning  power,   heal   and   Light. 

A  system  has  been  perfected  whereby  the  capitalist,  investor 
and  manufacturer,  who  comes  to  San  Francisco  is  interviewed 
and  assisted  with  facts  and  data.  Needless  to  say,  it  has  taken 
some  lime  and  quite  a  sum  of  money  to  perfect  this  work. 
As  an  example  of  the  efficiency  of  this  system,  Mr.  Henry  Jones 
of  II.  Jones  &  Co..  Ltd..  Ilohart.  Tasmania,  recently  visited  the 
city  with  a  view  of  establishing  a  branch  of  his  famous  jam 
factories.  News  of  his  intention  was  received  before  he  even 
left  Tasmania,  and  upon  his  arrival  he  was  interviewed  and 
furnished  with  all  the  information  which  he  required.  He  m>\\ 
has  the   mallei-  under  consideration. 

The  latest  phase  of  this  work  resulted  in  preparing  a  most 
comprehensive  system  of  securing  the  names  and  addresses  <»f 
all  prominent  manufacturers  visiting  this  city  during  tin  Expo- 
sition. It  is  realized  thai  the  period  of  Hie  Exposition  is  the 
golden  opportunity  lor  this  city  to  secure  data  and  information 
and  opportunities  that  will  undoubtedly  never  occur  again.  Ii 
is  firmly  believed  that  Hie  work  done  along  these  lines  will 
prove  the  hasis  of  investigations  and  results  thai  will  be  secured 
during  the  next  live  years.  First  of  all  ;i  lisi  of  all  exhibitors 
;>l  the  time  of  the  Panama-Pacific  International  Exposition  was 
secured  and  the  loo  prominent  manufacturers  exhibiting  there 
were  written  to;  none  of  these  maufacturers  exhibiting  manu- 

35 


SAX   FRANCISCO  — THE  FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 

factures  in  San  Francisco.  Probably  50  per  cent  of  them  have 
no  San  Francisco  offices,  a  few  have  Pacific  Coast  offices  but 
not  in  San  Francisco,  while  the  great  majority  doing  a  business 
on  the  Pacific  Coast  are  represented  only  by  salesmen  or  manu- 
facturers' agents.  It  is  the  endeavor  of  this  department  to 
supply  every  one  of  these  manufacturers  with  facts  and  figures 
that  will  result  in  their  establishing  their  own  Pacific  Coast 
headquarters  in  San  Francisco.  Except  in  a  few  remote  cases 
such  as  the  logging  and  fishing  industry  where  the  headquarters 
are  not  in  San  Francisco,  there  is  no  legitimate  business  reason 
for  Eastern  manufacturers  doing  a  business  on  the  Pacific 
Coast  not  to  have  their  Pacific  Coast  headquarters  in  San 
Francisco.  The  tremendous  advantages  in  favor  of  San  Fran- 
cisco make  this  the  logical  point  for  Pacific  Coast  headquarters. 
These  manufacturers  have  been  written  to,  inviting  them  to 
call  at  the  office  of  the  Chamber  when  they  visit  San  Francisco. 
They  arc  being  enteriained,  shown  whatever  points  of  interest 
they  desire  to  visit,  any  factories  they  may  be  interested  in 
and  various  data  and  information  given  them.  This  work  is 
now  being  extended  so  that  every  Eastern  manufacturer  who 
is  doing  any  business  whatever  on  the  Pacific  Coast  is  being 
written  to  and  his  local  salesmen  are  being  interviewed.  As 
stated  before,  it  is  believed  that  this  work  will  result  in  a  vast 
increase  in  the  number  of  plants  on  the  Pacific  Coast  although 
factories  are  not  going  to  establish  branch  factories  in  this 
city  immediately.  Gradual  steps  must  be  taken;  first,  the 
traveling  salesman  will  get  his  orders,  next  he  will  have  a 
local  office  with  an  assistant  in  charge  to  receive  mail  and 
calls,  later  a  warehouse  will  be  established.  When  the  business 
increases  to  such  an  extent  that  it  warrants  it,  separate  books 
are  kept  for  the  Pacific  Coast  business.  The  next  natural  step 
is  the  establishment  of  a  Pacific  Coast  headquarters,  and  the 
last  of  all  the  establishment  of  a  branch  factory.  These  steps 
are  the  natural  results  of  an  expansion  of  business  of  any 
Eastern  firm  that  has  a  large  Pacific  Coast  business  as  well 
as  a  large  business  with  the  west  coast  of  Central  and  South 
America  and  with  Mexico,  Alaska,  Hawaii,  New  Zealand, 
Australia  and  the  Orient. 

The  daily  papers  have  taken  most  kindly  to  this  work  and 
the  real  estate  sections  in  the  morning  papers  are  devoting 
space  weekly  to  the  results  of  the  investigations.  Complete 
data  will  be  on  hand  in  the  office  of  this  department  relating 
to  taxes,  Municipal,  State  and  Federal  laws,  rents,  leases,  schools 

36 


SAN  FRANCISCO  —  THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL    METROPOLIS  of  the  PACI1  l<     COAS1 


and  homos,  the  cost  of  light,  heat,  power,  complete  transporta- 
tion rates  (both  by  land  and  sea),  all  steamer  lines,  dab  a  ol 
sailing,  rates  of  dockage,  stevedoring,  etc.;  in  fact,  every  bit 
of  information  that  may  be  desired  by  a  manufacturer  in 
order  to  do  business  in  this  city  and  vicinity  will  be  tabulated 
and  on  hand  in  presentable  form  so  thai  the  prospective 
manufacturer  who  contemplates  securing  Pacific  Coast  business 
can  be  convinced  at  a  glance  with  facts  and  figures.  Informa- 
tion will  be  on  hand  relative  to  raw  materials  available,  and. 
last  but  not  least,  real  estate  holdings  are  now  being  listed 
with  full  descriptions  of  the  property  in  regard  to  size,  acc<  ssi- 
bility,  shipping  facilities,  costs,  mortgages,  time  payments,  etc. 

This  work  assumed  such  proportions  that  in  January  of 
this  year,  the  president  of  the  Chamber  of  Commerce  appointed 
what  is  known  as  the  Manufacturers  and  Local  Industries 
Committee,  and  Mr.  Constant  Meese,  of  Meese  &  Gottfried, 
as  chairman.  This  committee  is  composed  entirely  of  manu- 
facturers. At  the  first  meeting  ol  the  Committee  it  w;is 
unanimously  decided  that  while  the  usual  work  of  interesting 
new  factories  would  he  carried  on,  as  in  the  past,  the  lirst 
work  to  be  undertaken  would  he  a  comprehensive  survej  ol 
conditions  existing   in    the    factories   already    located    here. 

With  this  end  in  view,  an  alphabetical  card  index  has  I"  i  n 
prepared,  giving  a  list  of  all  the  factories  in  San  Francisco, 
with  their  ratings,  etc.  This  work  is  now  being  completi  d 
for  the  Hay  or  Metropolitan  Region.  About  3,000  letters  have 
been  sent  to  leading  manufacturers  with  inquiry  blanks,  asking 
for  specific  data  on  manufacturing  conditions.  This  record, 
when  tabulated,  will  give  the  firs!  accurate  data  which  h;is 
been  compiled,  as  to  conditions  prevailing  in  the  manufacturing 
industry    in    and    around    San    Francisco. 

One  of  the  greatest  tributes  paid  to  the  Chamber  and  its 
work  is  by  the  Honorable  Win.  .1.  Harris.  Director  of  the  United 
States  Census  Bureau,  who  has  realized  th<  value  of  this  list 
of  factories  and  has  asked  for  a  copy  of  the  same,  which  has 
been  furnished  him,  and  which  has  been  acknowledged  as 
follows: 

"We  are  in  receipt  of  a  lisl  "f  manufacturers  in  the  Citj 
and  County  of  San  Francisco,  transmitted  in  your  favor  ol 
the  24th  instant.  This  list  will  be  of  great  assistance  to  us  in 
the  perfecting  of  a  list  thai  will  be  used  in  making  ;i  canvass 
of  the  next  census  of  manufacturers,  winch  will  cover  the 
year    1914.      It    is    necessary    for    us    to    employ    a    large    field 

37 


SAN    FRANCISCO  —  THE   FINANCIAL,  COMMERCIAL  and 
[NDUSTRIAL  METROPOLIS  of  the  PACIFIC  COAST 


force  in  collecting  the  statistics.  A  number  of  agents  will  be 
employed  on  this  work  in  San  Francisco,  during  next  spring, 
and  the  clerk  in  charge  will  be  instructed  to  confer  with  you 
in  regard  to  the  list.  It  is  probable  that  he  can  be  of  some 
assistance  to  you  in  perfecting  your  list  of  manufacturers,  and 
I  have  no  doubt  that  he  can  obtain  a  great  deal  of  information 
from    you    that   will   be    of    assistance    to    him." 

Following  this  letter,  Director  Harris  requested  that  the 
Chamber  adopt  a  resolution,  recommending  that  manufacturers 
fill  out  blanks  promptly,  so  as  to  aid  in  the  work  of  the  Census. 
The  board  of  directors  of  the  Chamber  of  Commerce,  on 
November  17th,  adopted  such  a  resolution. 

In  October,  November  and  December  of  1914  forty-six  fac- 
tories. Pacific  Coast  headquarters  and  branch  offices  were  estab- 
lished in  San  Francisco,  coming  from  the  East,  Los  Angeles, 
Seattle  and  a  few  new  local  enterprises.  In  mentioning  these 
concerns  it  must  be  remembered  that  even  a  Pacific  Coast  office 
often  results  in  the  establishment  of  a  factory  later  on,  though 
it  may  take  several  years  in  the  process.  While  these  are  not 
actual  factories  established,  they  are  all  directly  connected  with 
the  securing  of  industrial  establishments  in  the  metropolis  of 
the  Pacific  Coast. 


3                                         ■"^K*          iM 

PADRE  .11  NIPERO  SERR  \ 

38 


SAN    FRANCISCO       THE   FINANCIAL,  COMMERCIA1 
[NDUSTRfAL   METROPOLIS  of  the  PACU  K     COAS1 


FREEDOM    I  \    TR  ^NSPORTAT]  OIN    I  OB 

SAN   115  VNCISCO 

Bi   SETH   \1  W\ 

\iinriii'\  and  Wanagei  i 

"1  'I   T  [THIN    the    Lasl    year    the    citj    of    San    Francisco    has 
\\        been   Liberated   from   transportation   conditions   which 
™    '        materially   hindered    her   in    the   development   <>l    her 
commercial   ;m<l    manufacturing   interests,   and    which    imposed 
upon    her   transportation    charges   from    which    her    rival   eitns 
were  free.     Lasl  June  the  Supreme  Court  <»l    the   United  States 
decided  that  the  Interstate  Commerce  Commission  was  justified 
in  holding  that  the  switching  charges  collected  al  San  Francisco 
on  carloads  switched  to  or  from  industries,  when   incidental  t" 
;i  line  haul,  were  illegal  and  should  be  abolish*  d.     It  wns  shown 
in   the  switching  cases  which  were  decided  by  the  Commission 
in   l'.fld  that   these  charges  were   imposed  and  collected   h\    th< 
carriers  in   no  other  cities  in   the   United   States  except    in   v 
Francisco,   L<>s   Angeles  and   San    Diego.     Tin    charg<    was   th< 
sum    of   $2.50    per   car,    which    tin    shi|)|><  r   or   consignei     w;is 
obliged  to  pay  when  a  loaded  car  was  delivered  upon  or  taken 
from  ;i  so-called  industrial  spur,  which   is  a  ^ i <  1  <  -track  <>r  spur 
leading    from    main    Mm  s    of    the    carriers    to    the    door    <>i    a 
factory  <>r  warehouse.     These  spur  tracks  are   in   common   us. 
in  all  of  the  cities  of  the   United  States,  and  are   indispensabl< 
in  the  conduct  of  manufacturing  <>r  commerce  "ii  a  larg<    scal< 
There  are  hundreds  «>|  thousands  <•!  such  tracks  in  this  country, 
and  rail  carriers  generally  have  regarded  the  d<  li\i  rj  <>r  r<  c   ipl 
<>l  Loaded  cars  at  such  spur  tracks  as  i  quival<  nl  to  Lhe  <l<  I i ^ «  rj 
< » r  receipt  <>l   such  cars  al  their  public  team  tracks,  recognizing 
thai  lhe  delivery  or  rec<  ipl  "I   the  carload  must  b<    uiadi    ^« ii 1 1 «  - 
where  and  regarding  ih<    delivery   or  receipl  <>t    Lhi  t   th< 

industrial  spin-  track  as  the  mere  equivalent  <>i  th<  similar 
service  .it  the  team  track.  No  chargi  for  this  servici  is  mad< 
for  lhe  delivery  al  lhe  team  track,  since  lh<  servic*  is  paid  for 
in  the  freight  rate.  Nevertheless,  tin  California  carriers  mad< 
and  collected  for  many  years  a  chargi  ol  £2.50  per  car  t<»r  this 
service  ;ii  the  industrial  tracks,  notwithstanding  the)  had 
received  the  full  freight  rate  upon  lh<  car  from  th«  point  "t 
origin  to  its  destination.  Bui  the}  imposed  this  chargi  onlj 
.it  the  cities  ol   San  Francisco,  Los    Vngeles  and  San   I' 


SAX    FRANCISCO       THE    FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC  COAST 

In  1908  San  Francisco  complained  to  the  Interstate  Com- 
merce  Commission  of  the  injustice  of  tliis  charge,  and  was 
followed  by  Los  Angeles  shortly  afterwards.  The  Commission 
decided  that  the  contention  of  the  complainants  was  correct, 
and  declared  the  charge  illegal  and  ordered  it  removed  July  1, 
1910.  The  defendant  carriers  shortly  thereafter  brought  suit 
in  the  federal  courts  to  restrain  the  Commission  from  enforcing 
its  order.  The  case  was  ultimately  brought  to  the  United  States 
Supreme  Court,  which  upheld  the  decision  of  the  Commission; 
and  on  August  12th  last  the  carriers  obeyed  the  order  of  the 
Commission  and  removed  these  charges  upon  interstate  freight. 
Conferences  followed  upon  the  subject  of  the  charge  upon 
freight  moving  within  the  State  of  California,  and  the  result 
is  that  the  carriers  have  wisely  concluded  to  remove  all  of 
these  switching  charges  upon  State  as  well  as  upon  interstate 
freight.  This  means  that  the  San  Francisco  merchant  and 
manufacturer  has  a.1  last  been  placed  upon  a  parity  in  this 
respect  with  his  competitors  in  Chicago.  St.  Louis  and  New*  York 
and  elsi  w  lure   in   this  country. 

The  value  of  this  new  freedom  to  the  mercantile  and  manu- 
facturing interests  of  San  Francisco  cannot  be  overestimated. 
Tin  aggregate  of  these  switching  charges  for  a  year  reached 
into  the  hundreds  of  thousands  of  dollars.  But  while  this 
saving  is  of  importance,  it  must  be  remembered  that  it  is  of 
even  greater  importance  that  enterprises  contemplating  a  loca- 
tion upon  the  Pacific  Coast  were  deterred  by  the  existence  of 
the  charge  from  locating  in  this  city,  and  the  advantage  now 
accruing  in    this   regard  can   hardly   be  overestimated. 

A  further  development  of  this  free  switching  condition  is 
that  a  large  number  of  blocks  of  which  are  of  easy  access  to 
the  railroad  terminals  have  been  designated  by  the  Hoard  of 
Supervisors  as  the  "industrial  district"  of  San  Francisco,  and 
within  this  district  spur  track  privileges  will  be  readily  and 
speedily  granted.  The  carriers  will  welcome  this  addition  to 
their  industrial  spur  track  system  for  the  simple  reason  that 
when  a  spur  track  is  attached  to  the  main  line  of  a  trans- 
continental carrier,  the  line  of  least  resistance  determines  that 
the  larger  part  of  the  shipments  originating  at  or  destined  to 
that  spur  hack  will  pass  over  the  line  of  the  carrier  serving  it. 
No  better  advertisement  of  the  mercantile  and  manufacturing 
advantages  offered  by  San  Francisco  can  be  made  than  by 
publishing  to  the  world  that  the  city  of  San  Francisco  pos- 
sesses   an    ample    area    lor    spur    track    facilities,    and    that    the 

in 


SAN    II:  W  Im  0        I  III.    I  IN  \\(  I  \l..  i  OMMI  '  I 
INDUSTRIAL    METROPOLIS  of  tin    PACIFK     I 

switching  of  carloads   t<>  and   From   tin  m    spur 
without   charge. 

Some  years  ago  the  ^  1 1 i | » j ►«  r  or  i  onsigm  i    .ii   San   I  i  iik 
found   attached   to   his  expens<    bill   For   rreighl    upon   his  ship 
im  ni  an  additional  charge  ol   fiv<    cents  per  ton  for  tolls      tins 
is  the  charge   lawfully   imposed  b)    th<    Board  ol    Stat<    Harboi 
Commissioners    upon    everj    ton    ol    freight    passu  tin 
water  front  of  San  Francisco,  which  is  owned  b)   II      N         and 
administered  by  the  Harbor  Board.     In  about  1901  tin   Southern 
Pacific  Company  completed   its  line   from   Los    \              to  S 
Francisco   by   the   construction   ol    th<    Santn    Murgaritti    tunnel, 
and    the    principal    part    of    the    tonnagi     passing    through    the 
El  Paso  gateway  n<>\\  reaches  San  Francisco  via  th<    Coast  Lint 
This  tonnage  <li<l  not,  ol  course,  piss  over  the  water  front  but 
the  toll  charge  of  li\<    cents   per  ton  <lnl   m>i   pass  out  «>t    the 
freight  bill.     The   Interstate  Commerce  Commission  ;itt<i   con- 
templating this  interesting  siiu;iii <\<  n  'I  lh<   charg<   n \>  <l 

from  Coast  Line  freight  bills.  This  w;is  followed  natural!)  bj 
its  removal  from  the  hills  of  the  otln  r  r  lil  carri<  rs  who  n  achi  <l 
San  Francisco  b)  way  of  the  water  front.  Not  long  iit<r  tins 
the  carriers  removed  the  charge  on  ill  <•!  tin  tonnagi  reaching 
San   Francisco,  whether  stat<    <»r  interstate.     San   Francisco  has 

therefore  been  freed  from  tliis  toll  chargi    on    ill  g Is  carried 

l»\  rail.    Wherever  it  is  paid  it  is  absorbed  b)  tin   carrier  paying 
same,  and  San  Francisco  is  imw  upon  a  pints  with  otln  r  pi 
in   California   which  enjoy   tin    sun.    rates  ol    freight,  whei 
formerly  it   was  obliged   i<>  paj    iliis  additional  chai 

The  state  ol   California  has  m.w  a  I  n\   ror  th<    regulation  "t 
public  utilities  which  is  not  surpassed  I •  ^   th<    lav   ol    un 
in  tin    l  moil      It  was  prepared  after  the  most  thorough  m\<sh 
gation  <>f  the  conditions  and   laws  prevailing  .it   hoiw    and   In 
our  sist.  r  states;   and    it   should   not   I"    amended 
in  an\  particular  except  for  tin    most  convincing  reasons      I  In 
California   Stat*    Railroad   Commission   is  composed  ol    men  ol 
the  highest   type,  in  character,  abilih   and  knowledge,  and  the 
r<  suit  has  l><  i  n  that  in  tin    bri<  i  p<  riod  ol   thn  i 
structures  of  th<   rail  carriers  hav<   been  tin   subject  of  in trlli 
and  ran  lul  review   in  man)   material  directions,  and  hnv<    I 
in  man}    particulars  corrected  and  adjusted  so  I         s       I 
cisco,  as  well  as  th<    other  cities  <•!   tin    state,  is  placed  up< 
jusl  and  «  quitabl<   basis. 

The    opening   <•!    tin     Panama    Canal    "n    August    15,    1914, 
carri<  «l  with  it  instant  advanl  ig<  s  i"  tin    port  "t  San  I  i 

ii 


SAN    FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 

l  \im  vi  i;i  \|.    METROPOLIS  of  the  PACIFIC   COAST 


,ls  well  as  the  other  water  ports  of  the  Pacific  Coast.  Material 
reductions  in  the  freight  rates  on  water-borne  goods  were  made, 
amounting  in  many  cases  to  one-third  of  the  rates  previously 
prevailing  on  the  sea.  The  rates  on  iron  and  steel  articles,  for 
example,  were  reduced  From  15  cents  per  hundred  pounds  or  s<-> 
a  ton  to  :'><i  cents  per  hundred  pounds  or  $6  a  ton.  And  tins 
ratio  of  reduction  was  reflected  in  a  large  number  of  the  rates 
nt  the  ocean  carriers. 

Ye\  these  rates,  so  much  lower  than  the  rates  formerly  in 
effect,  are  by  no  means  ;it  ;i  bed-rock  basis.  In  fact,  it  is 
claimed  l»\  many  that  the  ocean  carriers  may  go  far  below 
Hies,  rates  and  yet  receive  a  lair  profit  on  the  voyage,  and  that 
in  fact  these  low  rates,  considered  upon  an  income  basis,  arc 
not  less  than  these  carriers  were  receiving  before  the  opening 
of  the  Canal,  because  the  saving  of  the  expense  across  the 
Isthmus  of  Panama  and  Tchuanlcpee  and  of  the  cost  of  the 
two  transfers  from  boat  to  rail  and  rail  to  boat  offsets,  meets 
and  equalizes  these  reductions,  Leaving  at  least  the  same  net 
income   to   the  vessel. 

The  installation  of  these  low  water  rates  immediately  stimu- 
lated the  tonnage  of  water-borne  freight,  and  there  is  now 
moving  through  the  Canal,  both  east  and  west  bound,  three 
times  .is  much  freight  as  moved  previously  by  these  water 
routes.  There  is  more  freight  offering  at  the  present  time  than 
there  are  vessels  to  carry  it.  and  new  vessels  are  being  built 
and   chartered    to    take   up   this  surplus   tonnage. 

Prior  to  the  commencement  of  the  European  war,  which 
strangely  enough  happened  about  the  same  time  as  the  opening 
of  the  Canal,  several  European  steamer  lines  had  made  arrange- 
ments for  direct  routes  from  Europe  through  the  Canal  to 
Pacific  Coast  ports.  The  inauguration  of  this  service  was  inter- 
rupted by  the  war,  but  it  will  certainly  come  about  soon  after 
the  close  of  the  war.     These  lines  will  bring  to  San  Francisco 

and   the   Pacific  Coast   ports  cargoes  of  European  g Is  which 

will  be  distributed  thence  eastwardly.  The  increase  of  the 
commerce  of  San  Francisco  which  will  inevitably  result  from 
this  trade  may  be  realized  if  we  consider  thai  some  thirty  years 
ago  the  products  of  Europe  were  distributed  through  the  port 
of  San  Francisco  as  far  east  as  Salt  Lake  City.  This  trade 
about  thai  time  was  diverted  to  the  port  of  New  York  and  has 
remained  in  thai  situation  ever  since.  With  the  advent  of  these 
European  steamers  to  this  port,  San  Francisco  may  confidently 


12 


s\.\    I  R  \M  [SCO        I  III.    I  IN  \\«  I  \l     «  OMMI  I 

[NDl  STRIAL    Ml    l  ROPOL1S  iCIFH     «  0  \s  l 

expect    to   receive   again    tins   valuabl  tin- 

thirty  years  of  d<  v<  lopnn  nl  "i  tins  t<  rritorj   will 

We  cannol  exp<  cl   thai   tin    "|"  ning  ol    tins  i 
w  ill  reach  its  lull  developmenl  as  a   liigl 
perhaps  a    Few    years   to  come.     It   takes   ti  build   si 

;is  well  as  to   reach  a   demonstration   «»i    1 1 ■  *    in< 
this   traffic,   bul    it   seems  certain   thai   within    - 
shall   find  al   San   Francisco   thai   system   or  scheduh 
liv    sea    which    has    often    been    termed    ili<     water    I 
rat<  s.     This  level   w  ill   I"    brought   aboul   bj    th< 
competition  of  water  carriers  througli  H      I         I.  uninfluei 
l.\   contemporaneous  rail  rates  between  tli<    sann    points      Ihth- 
erto  the  wat<  r  carri(  r  has  basi  <l  Ins  I-  \.  I  ol  rah    upon  tin 
structures  of   the   transcontinental   carriers,   in  a  I  tes   just 

sufficiently    lower   than    tin     rail    rates   to   attract    -  tin 

business.     With   tin    <  anal   op<  n   and   n<  w    ships  <  nh  ring  tins 
trad*  .   the   comp<  tition    maj    I"    expected   t<>  cli 
route  with  rail   route  to  sea   route  with  sea   rout*       \    d    vhen 
this  is  accomplish)  d  tin   ports  ol  tin   Pacific  will  1"    in  b  position 
thai   their  geographical  situation  entitles  them  t<>.  thai   is.  thi  > 
will  become  entrepot*  no!  onlj  ror  tin   comn 
States,  bul  of  the  world,  which  is  destined  ror  distribution 
ol   the  Rock}   Mountains. 

The  op<  ning  ol  th<   <  anal  has  also  had  an  instant  •  \\>  cl  uj 
the  rah  s  ol  the  rail  carrn  rs.     In  ord<  r  to  mi  i  i  tins  n.       I 
competition,    tin     railroads    hav<    round    it    i 
their  rates  on  ;i   number  ol   commodities  westbound   to   I' 
(  oast  points.     I  In  ir  p<  tition  to  the  Inn  rstah    < 
mission  ror  permission  to  do  this,  heard  last   0 
tially  grants  tin    carriers'   requests,  bul   with   tins  lion 

|,|.l\    lower   terminal    i  ites   onlj    t<»   tli<    points   wh 

in.  .i   s mpetition,   that    is   to  say,   to   tin    p  Uu 

oing   v<  ss.  is   unload    then 
l»\   the  <  Commission  arc  San  n  s 

I  i ii. I.  Portland,  &  attl<     ind    I    •  om  i      s       I 
fore,  now    rcc<  ives  tin    watei 
she  has  alw aj a  I"  i  n  i  ntith  d,  both  b)  il 

With    Hi-  s.    transportation 
San  I  i .  1 1 1 .  is<  o,  tin    cih   h  into  tl 

freedom  in  commcrc<    and  in  manufacturing,  and  it  musl  it 
i  ilih    Follow    thai  li-  i    gi  ow  Ih  in  tin    num.  d  M  be 

instantly   n  sponsh  i 


SAN   FRANCISCO        I  III.    FINANCIAL,  COMMERCIA1 
INDUSTRIAL    Mil  ROPOLIS  .  I  "  .    PACIFIl     COAS1 


SHIPPING    |\  SAN    IT,  UNfCISCO 

By  J    -    HINES 
I  diioi     i 

ANYONE  examining  a  topographical  map  ol  th<  country 
surrounding  San  Francisco  Baj  cannot  rail  t<»  i m it« 
thai  the  City  of  San  Francisco  occupies  a  position  thai 
presents  ;i  good  many  disadvantages  when  considered  From 
the  viewpoinl  of  railroad  accessibility.  [Tie  eastern  shoi 
San  Pablo  Hay  or  the  sites  occupied  1»>  Oakland,  Alameda 
and    Berkeley   are    Far   better   locations   for  it    city    than 

the  site  occupied  by  the  western  metropolis  as  far  as  natural 
routes  Cor  railroad  approaches  are  concerned.  In  \  n  w  <>t 
these  facts,  why  did  San  Francisco  forge  ahead  "I  the  other 
hay  cities?     The  answer  lies  in  our  shipping. 

The  first  Heel  of  vessels  i"  visil  San  Francisco  Baj  in  the 
days  of  the  greal  gold  rush,  recognized  the  advantages  ol  deep 
water  and  sheltered  position  of  Yerba  Buena  <  <>\<  and  coi 
gated  in  front  of  the  embryo  San  Francisco  despite  the  let 
that  their  supply  of  drinking  water  had  to  be  brought  in  bargi  a 
from  Marin  County  springs  al  a  cosl  <>i  on<  cenl  ;i  gallon. 
With  the  advenl  of  the  transcontinental  railroads  it  w;is  found 
thai  the  ships  would  nol  and  could  not  come  !<•  the  natural 
waterway  outlets  of  the  steam  tines  and  so  the  railroads  were 
forced  i<»  bring  their  terminals  i<»  the  ships  as  besl  thej   could. 

As  ;i  port.  San  Francisco  presents  a  dual  aspecl  in  that  she 
has  a  large  and  partly  developed  hinterland  which  nun-  or 
less  depends  upon  In  r  services  is  ,i  wealth  and  distribution 
center  and  al  the  same  time  she  occupies    i  phical   p<.si 

lion  thai  entitles  her  to  I"  considered  as  one  <»t  tin  "world 
ports.*'  Each  of  these  phases  ol  our  city's  commercial  impor- 
tance has  been  greatl}  i  nhanci  d  l>\  tin   en  ation  <>i  ih<    Panama 

Canal. 

The  boundary  of  our  zone  ol  influenci  h.is  been  moved 
far  to  tin  eastward  and.  whal  might  I"  termed  our  contiguous 
territory,  has  been  more  than  doubled  in  area  \i  tl"  sanu 
time  the  rapid  development  ol  const  to  coast  traffic  through 
the  Canal  has  intensified  th<  movement  "i  commodities  both 
to  and  From  th<  greal  section  ol  producing  and  consuming 
territory   that    has  accepted    this   port   as    i   distributing  center. 

The  Canal  has  also  material!}   strengthened  S.m   Frai 
position    is  ,i  "world  port.*'     I  Ik    lull  <  il> «  i  <•(  our  n<  w   position 

IS 


SAN    FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 

in  this  regard  will  aot  be  fell  until  after  the  close  of  the 
EuropeaD  war.  The  leader  who  is  oot  familiar  with  sea  routes 
will  doubtless  he  surprised  to  learn  that  the  shortest  line 
between  the  Panama  (".anal  and  Yokohama  or  Hong  Kong 
passes  to  the  eastward  of  San  Francisco  Hay.  This  means  that 
steamers  hound  from  Europe  to  the  Orient  via  the  new  route 
will  lose  little  or  no  time  by  dropping  in  at  the  Golden  Gate 
on  the  way  to  their  ultimate  destination.  When  the  great 
foreign  fleets  now  tied  up  or  engaged  in  Government  service 
are  turned  loose  many  a  fine  steamer  will  visit  our  hay  for 
the  first  time.  The  Canal  also  means  a  far  more  profitable 
and  direct  connection  with  Europe  than  we  have  hitherto 
enjoyed.  These  points  would  all  seem  to  indicate  a  splendid 
commercial  future  on  the  sea, — a  future  the  greatness  of  which 
is  foreshadowed  by  present  indications.  The  railroads  are 
readjusting  themselves  to  the  altered  conditions  and,  according 
to  well-founded  rumors,  one  line  at  least,  the  Southern  Pacific 
will  shortly  start  work  on  a  splendid  deep  water  terminal 
where  freights  will  move  directly  from  the  cars  to  the  ships 
and  vice  versa. 

To  a  certain  extent  the  effect  of  the  Panama  Canal  on 
the  commercial  importance  of  San  Francisco  was  foreseen 
and.  in  common  with  other  Pacific  Coast  seaports,  preparations 
have  been  made  to  meet  the  altered  conditions  and  heavy 
increase  of  tonnage.  New  wharves  have  been  constructed 
either  on  permanent  or  semi-permanent  lines,  our  hilt  railroad 
has  been  greatly  extended  and  has  been  made  to  serve  nearly 
all  the  docks,  and  the  sea  wall  has  been  completed  to  Channel 
street.  What  might  he  termed  our  "under-foot"  equipment  is 
in  splendid  shape,  hut,  on  the  other  hand,  our  overhead  facili- 
ties are  practically  negligible.  In  the  matter  of  deck  gear  for 
handling  cargo,  the  United  Slates  leads  the  world,  and  the 
Pacific  Coast  leads  the  United  Slates;  hut  when  it  comes  to 
conveying,  segregating  and  disposing  of  cargo  upon  the  decks 
of  our  wharves,  we  are  woefully  behind  Europe  and  some  of 
the  progressive  cities  of  South  America.  The  actual  cost  of 
carrying  freight  upon  the  ocean  is  hut  a  small  percentage  of 
the  total  freight  charge.  San  Francisco's  exports  and  imports 
consist  largely  of  general  cargo,  and  with  this  class  of  freight 
the  handling  costs  at  both  ends  of  a  voyage  are  necessarily 
high.     And   it    is  only   in   this   item    that  any   large   saving  can  be 

it; 


s\N    I  R  W<  iN<  0        Mil.    I  l\\.\.  I  \l..  I  OMMI  Mil 
[NDUSTR]  \l.    Ml.  I  ROPOLIS  0/  tin    PA(  ll  U 


effected.    The  San  Francisco  | >« » 1 1  authorities  hi  d  tins 

truth  and  have  built  their  later  wharf  six  <K  s<.  1l1.1t  111 
may  1»<    installed  in  them. 

In  conclusion,  we  may  stati    thai  San  IV  in<  is 
greal  <l«  ;il  to  enhance  her  aaturi  -giv<  n  ad  iniifi- 

cenl  harbor,  and  thai  when  modern  cargo  handling  111:1 
gets  a  permanent  Foothold  along  our  water  front  ih.it  th< 
by  ili<'  Golden  Gate  will  be  as  attractive*    i<>  tin    evcr-inci 
Beet  of  merchant  vesels  that  plj   upon  tl  stern  <• 

as  any  port   upon   the  borders  of  the  w  i « I «    Pacifii 


ft; 


r.fi 


TONNAGl     MOVEMKX1         I'M. I    «.|     s\\    FBAN(.IS( 

1 1 1   I  •  \  1 1  M    I ,  I  s 


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lli'U'UMM 

British  1  lolumhiu 

llinii...    \  . 
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Britain 

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II. .11  in. I 
I  I 
In. Ill 

Nun. 

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\il.iiiii.   I 

Lull    I 
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I'lillu.,  I 


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1 

. 

I  ..I  ll  f..l  ll 


1: 


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-pppRRRRR 

- hr  n  h  n  n 

\B  B  B  R  R  R. 


r"  P  "  J|  ™  rf 


THE  LIVERPOOL  6  LONDON  6 
INSURANCE  COS  BLDG. 


INSURANCE  EXCHANGE 


■  t  ■ 


FIREMAN'S  FUND  INSURANCE  COS   BLD&r^ 


SAN    I  RANI  [SI  0        nil     I  IXAXI  l\l     .  0JIM1  I:.  IAI 
INDI  STRIAL   Ml.  I  ROPOLIS  II  II  I. 


SAW    FRANCISCO   THE 
INS1  I!  \\ci;  CENTER 

i.,   R    w    OSBORN 

f  I  ^  ( )  A  I  I  I MT  I    to  vv  iii.    i.i   San   Francisco  in   iti   relation  la 
underwriting    interests    would    rcquin     ili<     invasion 
*        .1    considerable    field    For    research.      \Yh\    .md    when    it 
l»i  came  an  insurance    C4  nt<  r  is  i  asih  Iran  . 1 1  > i •    und  und<  rsl 
lull   there  are  so  man)    phases  ol    the  question   thai   t<>  mal 
readable  or  interesting  would  requin    departures  l"roni  conven- 
tional description. 

II  there  I"  Lhosi  now  living  who  were  personalis  familiar 
with  the  early  days,  i<»  them  such  i^  venerated  tradition  In 
1849  and  the  early  'fifties  th<  citj  was  a  m.iss  ol  unbroken 
frame  ranges.  It  is  tru<  then  wen  streets,  bul  tin  s< 
planked  and  were  veritabh  fire  feeders  and  conducivi  to 
conflagration. 

In  iK  firsl  l.w  years  San  Francisco  inherited  thai  which 
tonus  to  everj  n<  w  community,  i t x  trial  b)  fire.  Rcmoti  from 
the  remainder  of  lli«  world,  it  w;is  impossibh  to  l>ml<l  other 
than  with  wood  and  these  wen  chcaph  constructed  on  (In 
theory  thai  thej  were  onlj  temporan  Non<  1 1 1 «  l<  ss  the) 
housed  millions  <>i  dollars  oi  \.iln-.  and  which  latter  bad  been 
brought  hen  for  distribution  throughout  tlx  remainder  ol  tin 
State.  San  Francisco  was  nol  onrj  tht  metropolis,  1  •  u t  tin 
great    distributing   point. 

•  mill  had  I "  i  n  discovi  n  d,  m  w  towns  w .  r.    l ..  m ^  ,  si  iblislu  it 
and  to  the  earlj   s.  u|(  r  San  Francisco  s.  .  m.  .1  decked  with  tin 

rich,  s   i  .1    (  ,i  .1,-.  .ml  i 

If  the  reader  \\  ill  recall  tin   m.iss  <>t  frann   buildings  nest  I 
themselves  along  Van  Ness    Vvcnui     ind  intersecting  streets  inst 

after  "the    fire,*'    Ihen    will   I i\.\..i    t<>   ih<    mind 

g I    idea   ol    what   earl}    San    Francisco   must   lmv<    b 

It   w  ;is  m   |  ),  .  ,  nil.,  i    i.i    i  \  19,  w  hil<    111- 
•  i  myriad  ol   d<  ep-sen  v<  ss.  u  .mil  som<    Iul:  uiil<  .1  .  i 

t<>  wharves  or  gentl}    moving  with   the  ebb  and  tl I  "i    tide, 

that    the   alarm   ol    fin    was   uin-h   and   tin    Bend   literal!) 
property    to    the    valui    ol    b    million    dollars       tins,    l 
disconcerted  th<    earl)   pioneers  about  as  much  as  it  would  an 
army  ol    littli    .mis  when   thi    n.  st   fa  disturbed       Rien 


SAN    l  l;\\«  ls«  0       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL    METROPOLIS  of  the  PACIFIC  COAST 


reaction,  the  town  was  rebuilt,  values  were  again  established 
and    the   incoming  steamers  brought   more   merchandise. 

About  five  months  thereafter,  in  May  of  1850,  there  came 
another  slighl  set-back.  A  little  larger  area  was  burned  and 
three  million  dollars  invested  in  such  loss.  Again  undaunted. 
they  proceeded  to  resurrect  their  fortunes,  notwithstanding 
there  seemed  to  be  a  tyranny  of  fate  overhanging  the  hay  city. 

However,  before  they  could  accomplish  very  much  in  the 
way  of  rehabilitation,  another  fire  visited  them  in  June  of  that 
same  year  and  this  in  its  quiet  way  subtracted  three  million 
dollars  from   the  capital  of  the  business  interests. 

Naturally  this  commenced  to  make  an  impression  and  there 
was  considerable  talk  of  such  substantial  improvements  as 
would  render  it  impossible  to  have  a  recurrence  of  the  disaster. 
Human  nature  was  the  same  then  as  now.  They  soon  forgot, 
were  rather  inured  to  misfortune,  and  began  reconstruction  in 
the  same  old  way.  Thfcj  made  heroic  effort  to  revive  industries 
and  things  wire  moving  along  in  the  even  tenor  of  their  way, 
for  these  resolute  spirits  believed  that  in  the  serenity  of  Provi- 
dence  they   bad   been   tried  by  fire  and   not   found   wanting. 

In  May  of  1851  the  city,  already  marked  by  Fate,  received  a 
Staggering  blow  which  well-nigh  sapped  its  blood  and  was 
sufficient  to  have  crushed  all  initiative,  placed  a  barrier  against 
progress  or  to   have   turned  ambition   back   into   its  shell. 

The  largest  of  the  conflagrations  came  and  the  irony  of 
Fati-    marked   seven    million    dollars   as    the    toll    exacted. 

()l  course  the  people  were  crushed,  the  tongue  refused  its 
office,  it  failed  to  speak,  but  the  mind  was  active  in  resolution. 
Finally  action  became  its  sponsor  and  thus  redeemed  a  truant 
faith.  There  was  not  much  to  encourage  the  pioneer,  tor  these 
tins    bad    crowded    each    Other    with    unrelenting    savagery. 

Sni  Francisco,  however,  was  not  to  be  crushed.  It  is  true 
this  last  lire  caused  a  subtraction  of  a  great  (leal  of  wealth,  but 
the  indomitable  grit  was  there  and  she  went  on  rebuilding, 
refinancing  and  revitalizing. 

We  can  well  imagine  that  the  spirit  of  the  people  had 
received  a  severe  shock  and  naturally  alter  such  unbearable 
reverses   it    required   supreme  courage   to  again   undertake   the 

task    of    building   anew  . 

liny  settled  down  to  work  and  yet  within  six  weeks  were 
again  lighting  their  enemy.  Fire!  Fire'  Yea,  it  was  indeed  a 
Satanic  visitation.  It  invaded  the  little  town  nestled  by  the 
bay    and    robbed    them    of    two    millions    of    dollars.      This    was 

50 


SAN    I  l:  \\<  [SCO        I  III     I  l\  \V  I  \l     I  OMMI  i.«  I  \! 
INDUSTRIAL  METROPOLIS  iCIVU 


surelj  enough.    Wh.it  was  tin    us.  1    Bui  hop<   n< 

Id   forsaki     the   early   pioneer.     Com  is   tin  Ins 

protection.     Il<    was  trul)    a   ph i  only    'li<l   I 

the  hardshipa  acroaa  tin   continent  or  around  th< 

left  home  and  Friends  coming  into  th<    wilderness,  but 

confronted  with  staggering  bkra   after  another,  cl t? 

ing,  discouraging  and  so  calculate  d  in  its  i  ti 

have  stopped   .ill   further   progress.      I  In    habitant  i  Ins 

feet.     1 1'    « as  pn  pan  d  for  th<    m  \i  bout 

From    that    time   on    then     was   s< improvemenl    in    tin 

method  of  Qghting  fires,  crude  il  is  true,  but  tin  streets 
still  planked  and  the  buildings  continued  to  !••  trim- 
knitted   together  as   though   the)    felt   that   i  intion   I 

was  at  least  a  communit)  ol  interest  Including  tin  Art 
Unit    had  been  ;i   propertj   loss  to  the  citj   ol   sixteen  millions 

•  •I  dollars,  and  the  loss  ot  which  vast  sum  mad<    u  rious  im 
into  the  I  ortuni  s  ot   th<    i  • «  « .  j  •  I  •  . 

Not   onlj    was  lliis   luss  q   menace    to   tin    business   inl 
luit    ii.i im  i ll\    il    had    its  effect   mi    tin    economii    conditioi 
the  entirt    city. 

I  he  |»'  oph   d<  t'  riniin  il  through  mutt  <l  .  fforl  l< 
more   tt»   reston    their  fortunes,   but    tin  \    realized   that 
gone   through   the  Hen    ordeals  ol    tin    past,   it  out   linn 

that   tin  >   slitiiiltl  l»<    protected  bj    insurance,  in   fact,   it   I 
nccessan   as  u  bulwark   to  tin    credit  system 

I  In    tragedies,  however,  that   intervened  between   I) 

•  •I    1849  and   .linn    hi    1851    madi     tin     Held   ven    uninvil 

tin    in\ i  stun  ni  ol   insurance    capital      Nom    tin    less,  in   IK.VJ  tin 

Liver] I   and   London   was  induced   to  i  Nt.iMisli   hi 

San  Francis I  m<  t  with  considi  i  nbl<   sin 

mi  s.  in. us  fires  in  mi.  id  it  with  its  progress  Nn  su 
ihis  first  ventun  brought  seven  mon  companies  tin  ml 
\..ii   .i ml  in   1 853  eight  companies  wen    competii 

Hiss    ii|      tin       r||\  III      |855     l«u     linUi       \\<\<        nli|.<l     In     tin       list 

the    following   yeai    two    idditional    undertook    tin    exp 
I  ndcrwritiug.  lik<    mam  othei   ventures,  depends 

ii|"in   ass t'il   i  tforl    In  >  his.    .  \|..  i 

point  in  underwriting,  varies  in  its  different  • 
Realizing  tins,  tin    lirsl  association  ol    urn 
I/.  1 1   in  .l.i n ii  ii  \   ..I    1857  and  was  kno 
Insurant 

rhrough  tin**  organization  remedial  <  tt •  •  1 1  was  put  nd 

ill.    i  ii\    induced   to   mnk<    improvements   both   in   i 


SAN    FRANCISCO  —  THE   FINANCIAL,  COMMERCIAL  and 
[NDUSTRIAL   METROPOLIS  of  the  PACIFIC  COAST 

and  in  fire-fighting  facilities.  At  the  close  of  that  year  the 
companies  which  were  doing  business  in  San  Francisco  received 
an  aggregate  income  of  -sl  15,000.  Should,  however,  history  have 
repeated  itself,  this  small  sum  would  not  have  gone  very 
far  in  reimbursing  the  companies  for  a  loss  they  would  have 
sustained. 

Prevailing  rates  at  that  time  were  high  because  the  hazard 
was  very  great,  and  rate  will  always  follow  the  hazard,  pre- 
cisely as  the  selling  price  follows  the  cost  of  any  article.  In 
1(S.")(S  the  first  company  was  incorporated.  It  was  a  "Mutual" 
and  continued  for  some  few  years  but  finally  went  out  of 
business.  In  January  of  1861  the  Board  of  Underwriters  was 
reorganized  in  order  to  cover  a  more  extensive  field,  for  there 
were  cities  springing  up  which,  like  our  own,  made  urgent  de- 
mand for  indemnity  and  it  became  necessary  for  the  Board  to 
increase   its  scope   of  authority  and  usefulness. 

Kates  in  the  outlying  districts  were  made  double  those  of 
San  Francisco.  They  had  no  method  of  arriving  at  a  rate  upon 
any  scientific  basis.  It  was  then  very  largely  a  question  of 
income  and  outgo  and  the  enormous  expense  of  conducting  the 
business  outside  of  the  city,  made  it  necessary  to  include  in 
the  income  of  the  remote  points,  the  added  expense  of  doing  the 
business  and  of  adjusting  the  losses. 

In  1861  three  more  local  companies  were  organized,  the 
California  Mutual  Marine,  the  San  Francisco  Fire  and  the  Cali- 
fornia Lloyds.  As  the  State  became  more  populated,  new  towns 
sprung  up  and  it  was  apparent  that  to  properly  conduct  their 
affairs  the  companies  would  have  to  employ  inspectors  to 
supervise  the  business.  Gradually  a  system  of  rating  became 
vogue.  This,  in  turn,  required  the  employment  of  more  expe- 
rienced men  as  the  traveling  representatives  of  the  company. 
Underwriting,  possibly  more  than  most  business  ventures,  was 
a  matter  of  growth  and  began  to  involve  not  only  questions  of 
finance  and  economics,  but  the  introduction  of  new  habits, 
together  with  the  assembling  of  complex  hazards. 

Experience  was  tabulated,  hazards  segregated  and  then 
came  the  refinements  in  rating.  This  continued  until  1866  when 
the  Board  appears  to  have  suspended  rates,  which  history  shows 
is  more  than  apt  to  occur  when  profit  passes  a  normal  figure. 
This  suspension  lasted  lor  three  years  and  the  companies  were 
groping  in   the  dark. 

To  retrace  our  steps  a  little:  in  1862  the  Legislature  passed 
a  bill  requiring  companies  foreign  to  the  State  to  deposit  with 


SAX   FRANCISCO        I  III.   FINANCIAL,  COMMERCIAL 
INDUSTRIAL   Mil  ROPOLIS  i  .    [A,    PACIFK     COAS1 


some  banker  the  sum  of  $75,000  as  a  guaranty  ol  good  faith. 
It  is  well  to  note  that  this  w;is  in  the  earl}  history  <>i  the  st.it< 
and  was  soon  repealed,  because  thai  idea  of  protection 
a  monopoly  by  a  system  of  falsi  legislation.  Tin  result  ol  tin- 
law,  however,  was  the  formation  <»t  four  I<mm|  companies,  the 
Merchants'  Mutual  Marine,  the  Pacific,  tin  Fireman's  Fund,  and 
the  old  California  Home,  and  in  tin  following  year,  1861,  the 
Home  Mutual  came  into  existence  and  tin  California  Mutual 
Marine  reorganized  as  the  California   Insurance    Company. 

At  the  time  of  which  we  write  there  wer<  ll>   number 

of  companies  doing  business  in  this  eit\  and  elsewhere.  I  In 
chaotic  condition  existing  by  reason  of  th<  open  rat  s  mad<  it 
necessary  for  the  companies  either  to  organizi  for  the  attain- 
ment of  a  rate  commensura te  with  the  hazard,  according  to  the 
class,  or  for  the  companies  t<>  retir<    from  business. 

Underwriting  venture  is  not  ;ii  besl  the  must  inviting.  It 
gives  smaller  returns  for  the  risk  assumed  bj  capital  than  an) 
other  class  of  investment,  and  the  companies  realized  thai  N 
Francisco  was  not  immune,  that  there  was  an  opportunity  ror 
a  recurrence  of  the  hateful  tragedies  «>i  the  earl}  days,  and 
which  in  a  night  might  force  them  oul  <>i  busin<  ss  \  w  w 
Hoard  was  formed  in   1870  and  euiilimn  d  tor  ;i   iiuinln  r  <>l   yi  ars. 

During    these    periods    the    great    Northwest    commenced    t<> 
open   its  arms  to  the  adventurous  spirit  ami   ;is  lie  ^     I  ■  riiloin  s 
became  peopled,  towns  sprung  up  ami.  naturally    then    was  .< 
demand  lor  insurance  protection.     The  managers  "i    tin    com 
panics   lure   realized    the   serious   and   dangerous    uml.  rtaking, 
and  vet  moved  by  an  indomitable  gril  which  characterized  the 
early  pioneers,  they  struck  forth  into  the  open   forest  i<>  blaz< 
the  trail  and  likewise  build  their  fortunes    it  ties,    points,     I  h< 
opening  up  of  Oregon,  Washington,  Idaho  and  Montana  was  n<> 
slight  undertaking.    The  representatives  <>i   the  companies  wen 
compelled  to  Iim\<  I  l>\  stagi   or  b)  mule  and  the  «  arlj  hardships 
accompanying  the  work  <>i   enlarging  their  sphen    "t   operation 
were   many   and    serious. 

H  will  thus  be  seen  thai  tin  underwriting  int<i<sts  ol  tin 
entire  Pacific  Coast  were  inaugurated,  fostered  and  prosecuted 
by  the  companies  having  their  headquarters  in  San  I  ran< 
As  this  city  gre\*  in  si/i  and  importance  it  naturally  I"  cnmi  tin 
metropolis  <»l  the  Coasl  and  its  financial  center,  md  the 
that  Department  offices  became  thorough h  established.  The 
growth    of    the    business    transacted    through    tin  nies' 

departments  here  has  naturall}  been  one  "i  importanci      I 


SAN    FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL  METROPOLIS  of  the  PACIFIC  COAST 

mencing  with  an  income  in  1852  of  possibly  $50,000,  it  has  grown 

immeasurably.    In  1857  il  was  relatively  $150,000,  but,  of  course, 

the  so-called   Pacific  Coast   income  was  practically  confined   to 

California.      In    1868   there   were    twenty-two   companies   doing 

business,  with  a  total  income  of  $2,162,701.    The  nexl  year  that 

ascended   to  $2,635,041,  and   the  following  will  show   the   leaps 

and   bounds: 

1870  $2,419,115        1895 s  8,609,500 

1875     3,581,436        1905 20,738,170 

1880 1,655,172        1910 30,110,973 

1885     6,341,697        1913 32,148,836 

191  I $33,518,178 

One-half  of  this  amount  comes  from  the  Stale  of  California 
and  the  balance  from  all  the  remaining  States  of  the  Pacific 
Coast. 

That  San  Francisco  is  the  financial  center  and  the  great 
emporium  of  the  Coast  is  unnecessary  to  prove,  and  when  and 
where  finance  lavs  it.-,  foundation,  there  is  established  the  funda- 
mental basis  for  continued  existence. 

Few  people  realize  how  closely  knitted  are  the  interests  of 
the  various  companies,  how  immeasurably  interwoven  are  the 
infinite  variety  of  transactions,  hence,  a  sort  of  homogeneity  of 
interest.  Out  <>l  this  community  of  interest  developed  the 
enlarging  sphere  of  the  usefulness  of  the  Hoard  of  Underwriters, 
lor  it  is  through  its  experience,  its  engineers  and  its  valuable 
machinery  thai  (here  is  an  appreciable  reduction  of  hazard  con- 
stantly going  on.  It  must  he  patent  to  the  reader  that  no  indi- 
vidual company,  however  Large  or  strong  it  may  he,  can  exert  a 
sufficient  influence  on  a  community  to  induce  the  adoption  of 
laws  concerning  construction,  police  regulation  and  a  thousand 
and  oik  other  things  incident  to  the  protection  of  life  and 
property.  No  one  company  could  afford  to  maintain  the 
machinery  lor  that  purpose.  Il  is  therefore  through  this  com- 
munity of  interests  thai  this  can  he  accomplished  and  the  work 
of  the  Board  of  Underwriters  is  so  constructive  in  character  as 
l<>  be  ni  ilu  greatest  importance  to  the  various  communities 
making  up  the  States  of  this  Const. 

The  underwriting  interests  are  naturally  allied  to  the 
financial.  The  center  of  their  operations  gravitates  toward 
the  financial  interests  and  which  is  a  fundamental  reason  why 
the  headquarters  of  insurance  companies  have  been  and  will 
continue  in  be  for  this  Coast,  at  San  Francisco.  The  city  itself. 
of  course,  dots  not  particularly  benefit  through  the  fact  of 
the  departments  being  here,  but    il   is  very  sensibly   influenced 


s\\    I  R  \\<  [SCO        I  III     l  l\  \\<  l  \l..  I  OMMI 
INDUSTRIAL  METROPOLIS  \<  n  |< 

for  its  good   through   tin    amalgamating  intereata  ol 
operating  under  th<    Board.     Ii    tin    truth  l»<    known,  tlnv 

ever)   State  will  show    from   tin  Dmnu-m til   I 

structive    influence    ol    the    underwriting    interests 

in    the    impro> <  1 1 1 <  ills    w  hich    art     madi     in    thi 

construction    nnl    in    tin     protection   offered    bj 

whether  il  l»<    through  ita  Bn    department,  its  polio    department, 

or  its  legislate  e  d<  pa  run <  nt. 

Unfortunately,  then  an  it  timea  public  manifestation 
against    insurance     interests,   but    ii    ili<    publh  in- 

timatcl)  familiar  with  the  great  remedial  work  ol  tin    I 
Underwriters,  which,  after  all,  is  constructive    and  nol  dea 

live,  thai  feeling  <»i  antagonism  \\«>ul<l  soon  rhang<    inl 

cordis  I  co-opera  t  i<  in. 

I  In-  collection  <>t  insurance  premiuma  ariaing  oul  ol  lh< 
measurement  <»t  hazard  is  neither  mon  nor  less  than  an 
economic  question  <>i  taxation  distributed  i>\<\  .1  wid<    1 

field  and  risks,  and  apart  from  lit-    insurance    then    is  1 1  * •  ■- 

system  «>i   taxation  approaching  it  i«'i    1 1 x  accuracy,  ita 
;iiul  its  distribution  "i   responsibility. 

Iln    assessor  <>i    1   community    makca  infinitely    ci 
takea   in   measuring  his   tax,   for  h<    ia   frequently    governed   bj 
favoritism,   political   or  otherwise,   in   tli«    measuremenl   <•(    tli< 
value  t'>  Im    ass<  ss<  <l.  or  tin    taxpayi  1   hims<  Ii   mnj  adroit!) 
c<  1 1  liis  \  .1 1  in   and  thus  eacapi    liia  equitabh   shan   "t  th< 
sibility.     Tin   ston  k<  1  |"  1.  or  tin    manufactun  1.  "i    inj  on<    who 
•  11.  its  insurance    en  at<  1  his  <>wn  hazard  and  p  <• 
in  established  schedule    "t   rat<    and  therebj  makes  hia  "«n  lax 
which  is  meaaured  without  political  I  I  iv<«nhsnt 


r 


SAN    I  R  \V  IS<  0       THE   I  IN  \M  I  \l  .  I  OMMI  Rl  I  U 
IND1  si  RIAL    Ml.  I  ROPOLIS  0/  f/i«  PA(  ll  ll 


SAIN    ll:  VNCISi  !0    \  \l  >    I  III.   <   \  \  \l 


(^OAST-TO  COAS1     TONN  VG1     via   th<    isthmus* 
,1111,1  ;i ml    I  <  huanti  p<  c  has  in-  1  eased  446  p  I  in  lit* 

si\  years  previous  t<>  1 1 1  •    «i|»<  ning  q!   Ihi    <  anal. 

In  1907  tin    American  Hawaiian  Steamship  <  ompam  innu 
rated  i I >.  coast-to-coasl  service  via  ili<    Isthmus  1      1 
from  Salina  Cruz  <>n  th<    Pacific  sidi    t<>  Porl  ol   Mi  1  tin 

Atlantic.     Previous  lo  1907  Ihi    American  11.     man  ^lu j>i»«  <l  i 
ih«    Straits  of  Magellan. 

In   April,   1911,   tin    California    Atlantic  Steamship   <  ompam 
inaugurated  ;i   line  via  Panama.     In  February,  I'M.;.  Hi.    Lucl 
enbach    Steamship    Compan}    took    over    the    California    '  01 
pany's  line. 

The  distance  from  San  Francisco  t"  N<  «   York  via  Hi'   *  anal 
is  5,272  mil'  s,  "i'  2,086  mil'  s  longi  1   by  watt  r  than  1»>   rail      "^ 
tli.    shipments   via    the    two    isthmuses    havi  U3    incn 

Willi   l hr  advent   <»l    each   new    steamship   lim    Ihc   tonna 
1I1.  se  r<  »utes  have  increased. 

According  t<>   tin'   figures  "i    lh<    Depart menl   "t    Commcrci 
and  Labor  for  tin    year  ending  Jum    30,  1913,  1 1 1.    total  valut 
.-ill  goods  shipped  via  both  isthmuses  amounted  t..  xi 
of  which  $87,564,507  was  westbound  and  ?3I.991.77>  ,1 

I  In    leading  articles  so  slnpi"  <l   ranked  ^  follows       w 
bound     Manufactures  <•!    iron  and  steel,   ?1H,7  inanufa 

tuns  ut  cotton,  $11,067,774;  manufactures  "t   pap.  .1 

Bastbound     Win.  s.   -  i.m  L320;   fruits,   (0.708  094 
'J17;   canned    salmon,    £2,129,703       Rii     largest    1  tstbound    item 
w;is  sugar  from  Hawaii  t<>  llv    I'1  I  i>  anting 

i"  1119,309,351. 


■I, 
Francisco 

s,   .111. 
Portland 

III'     Panama    I    inal    moi  •     than    doubh  «l    San    I 
water-borm    commcrci    lo    Vtlanl      1        I   ports  in   lln    lir^t  six 
months  after  it  was  opened 

The  same  Custom  Hous<    figures  show    thai   s 
commerce    through    lh<    <   inal    is   mon    than    Ihra    times   *  I » *  1 
originating  al    Si  ittle,   and    fourteen    limes   Ihnl 
Portland 


SAX    FRANCISCO       THE    FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL    METROPOLIS  of  the  PACIFIC   COAST 

The  total  values  of  the  cargoes  from  the  three  leading  Pacific 
Coast  ports  to  Atlantic  Coast  ports  from  September,  1914,  to 
February,  1915,  inclusive,  was  $29,341,216,  as  compared  with 
$11,648,020  in  the  same  months  of  1913  and  191  1  going  by  way 
of  ilu    Panama  Railroad  and  Tehuantepec. 

Three-quarters  of  the  amount  went  to  New  York;  Boston 
and  Philadelphia  received  the  next  Largest  amounts,  while 
Charleston.  Norfolk,  and  New  Orleans  each  took  over  $500,000 
worth  of  Pacific  Coast  products. 

The  value  of  the  principal  commodities  shipped  from  San 
Francisco  alone  to  Atlantic  Coast  ports  in  the  last  six  months 
is  as  follows: 

Canned  fruil   *3,439,534  Barley    $742,686 

Canned  salmon   2,562,894  Woof 686,748 

Prunes 2.134.127  Dried  peaches 594,771 

Wine    2,130,684  Nuts 439,383 

Raisins    1,781,417  Dried  apricots 339,8  19 

Beans 1,725,036 

The  first  year  tlu  Canal  is  opened  the  total  tonnage  should 
easily  reach  1,000,000  tons  valued  at  $150,000,000.  Assuming 
that  tonnage  has  increased  with  the  inauguration  of  each  new 
steamship  line  and  with  the  numerous  lines  that  intend  to  use 
the  canal,  tonnage  totals  should  increase  at  a  greater  rate  than 
is  commensurate  with  the  increase  in  production  or  consump- 
tion  on    the   Pacific   Coast. 

San    Francisco's    freight,    both    eastbound    and    westbound, 

Predominance  .  .         ,  -iii  t-»       •  r»       /"< 

exceeds  the  combined  tonnage  ol  all  other  Pacific  Coast  ports. 
This  tact  dispels  all  doubt  as  to  which  Pacific  port  is  going  to 
reap  the  most  benefit  from  the  Panama  Canal.  San  Francisco 
is  the  only  port  whose  eastbound  shipments  exceed  its  importa- 
tions from  the  Atlantic  Coast,  with  the  single  exception  of 
Hawaii  where  over  $19,000,000  worth  of  sugar  was  shipped  east- 
ward. This  shows  San  Francisco  to  be  the  natural  shipping 
point  and  distributing  center  for  California  products.  This  city 
is  the  only  port  whose  eastbound  shipments  are  in  excess  of 
the  westbound  shipments. 
Areaiand  Chicago  contains  as  many   inhabitants  as   the  whole  state  of 

Population 

California,  approximately  two  and  a  half  millions.  California 
is  equal  in  area  to  New  York,  New  Jersey.  Ohio,  and  all  of  the 
New  England  states,  Maine.  Massachusetts,  Vermont,  New 
Hampshire,  Connecticut  and  Rhode  Island,  with  a  total  popula- 
tion of  22,980,583.  California  is  equal  in  area  to  either  Italy  or 
Japan,  each  of  which  supports  a  population  of  over  40,000,000. 
There  art  unlimited  possibilities  for  development  in  California. 
Only  2<S  per  cent  of  the  land  area  of  the  State  was  in  farms 

58 


SAN    II:  W  is<  0        l  III.    I  IN  w  I  \i  .  I  OMMI  Rl  I  \l 
[ND1  STRIAL    Mil  ROPOLIS  o/  tin    PACIFK     COAS1 


in  1910  and  of  tins  area  onlj    10.8  \><  r  cent  u.is  improved.     In 
1912   the   orchard,   vineyard,   garden,   dairy,   poultry    and   "tin  r 
field   products  of   California   was   valued   ul    *320,1  I 
tiring   the    present    acreage    in    farm    lands    ill    improved    I 
spective  of   the   Fertili    land   not   devoted    to   farms  at   present) 
there  are  Linn  crops  valued  at   £784,547, 

During  th<  season  of  1910-1911,  16,394  <  irloads  ol  citrus  fruit 
were  shipped  east  from  California  bj  rail.  In  1912, 
carloads  of  fresh  deciduous  fruits  (exclusivi  ol  appli 
similarly  shipped;  59,737  i  carloads  <»i  irmi  alone,  that  can  !•< 
shipped  cheaper  by  Panama  and  nearlj  as  quickly,  rrom  .i 
State  capable  <>l  supporting  10,000,000  ol  peupli  when  <>nl\ 
11.34  per  ciiil  of  the  total  area  is  now   in  improved  Farm  lands. 

San  Francisco  will  not  <>ni\   |><    1 1 1 •    |><>ri  ol   call  for  vessels 
<n  route  from  Europe  to  the  Orient,  l>nt  will  b<    b  point  ol  dis 
tribution.     The  principal  ports  ol   Europi    that  will  ship  to  tin 

Orient   are   London,    Hamburg,   Liver] I.    Antwerp,   Marsrillt's, 

Havre   and    Bremen.     Ships   rrom    these    ports   il\    tin    flag 
England,    France,    Germany    and    Belgium.      In    addition    ships 
from  Italy,  Spain,  Sweden,  Norwaj   and  Denmark  will  I"    hen 
The    Oriental    ports    "I    call    an     Yokohama,    Kobe,    \ 
Shanghai,   Hongkong  and  Manila,      linn    is  not  enough  fn*ighl 
for  everj  steamer  from  each  port  "i  departun    to  each  port  ol 
call.     The   largest    Freight    line   operating  on    th<    Pacil      i 
finds  il  cheaper  . ■  1 1 < I  quick<  r  to  unload  All. m!      I         i  lr«  igl 
Portland,    at    San    Francisco    and    then    reload    and    nsiim    to 
Portland  l>>   a  smaller  boat. 

(  alifornia    has    mil    i  \\<<  ri<  nc<  <l    tin     b<  in  fits    .mil    •  vils    <>t 
immigration  as  yet.     In  the  I  Kim  I  year  ending  Juni   30,  1911,  tin 
arrivals  at  S;m  Francisco  ol  immigrant    tin  us  amounted  I"  3,119 
and  <•!  mm  immigrants  ali<  ns   1,417     It  is  .  i  notice  nbl<    ract  thai 
the    immigration   at   San    Francisco   was   ;  than   .it   -ill   tin 

other  Pacific  Coast  ports  combined  For  tin  sam<  p 
\.  w  York,  the  figures  wen  637,003  iml  I00.O.V.I  rhes< 
show    the   possibilities  <>i    what   immigration   ma)  to   s 

Francisco,    onci     direct    steamer    scrvic*     is    inaugurated 
Europi       I'm  iti,    i  ,.;ist   immigration   so   far  has  been   from   tin 
Ori.  nl. 

The  number  ol   Chines*    in  <    ilifornia  has  decn  ised 
cent,  however,  in  tin    last  i\\<nt\   years,  from  72,172  in   Is 
36,248  in   1910.     On   tin    other  hand,  Japanese    immigration 
increased  From  1,1  17  in  1890,  until  1900,  win  n  tins  mm 
increase  <l  to  10,151,  and  in  1910  to   11 


SAN    FRANCISCO  —  THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 


PAN-AMERICAN   COMMERCE   AND   THE   PANAMA 

CANAL— WHAT   THEY   MEAN   TO 

SAN   FRANCISCO 

By  JOHN  BARRETT 

Director-General  of  /he  Pan-American  Union 

THE  Panama  ("anal  and  Pan-American  commerce  have  a 
vast  significance  for  the  future  of  San  Francisco.  They 
will  be  mighty  influences  in  making  it  a  world  city  and 
port.  They  provide  opportunities  for  the  advancement  of  its 
trade  and  for  the  strengthening  of  its  position  upon  the  Pacific 
Ocean  which  can  hardly  be  measured  in  reasonable  terms. 
The  mistake,  however,  must  not  be  made  that  San  Francisco 
is  at  once  to  have  her  harbor  crowded  with  shipping  and  her 
population  increased  by  the  influence  of  the  Panama  Canal  or 
by  the  new  commerce  of  the  Pacific  Ocean.  It  will  take  time 
to  fully  develop  the  new  routes  of  commerce  and  the  new 
possibilities  of  trade  which  will  result  from  the  opening  of  the 
Canal.  It  is  an  unfortunate  error  that,  all  over  the  United 
Stales,  superficial  observers,  speakers  and  writers  seem  to  be 
carried  away  with  the  impression  that  the  Panama  Canal  is  a 
magic  waterway  which  will  suddenly  bring  splendid  prosperity 
to  all  cities  and  sections  which  before  were  lacking  in  over-sea 
commerce  or  a  market  for  their  manufactured  products.  Just 
as  it  took  many  years  for  California,  Oregon  and  Washington 
to  feel  the  real  benefit  of  the  transcontinental  railways,  and 
just  as  it  has  taken  nearly  three-quarters  of  a  century  for  the 
Pacific  Coast  to  really  come  into  its  own  as  it  is  doing  at  the 
present  time,  so,  correspondingly,  it  will  take  not  alone  one 
decade,  but  several  of  them,  for  San  Francisco  and  California 
to  reach  a  complete  consummation  of  benefits  which  will  grow 
out  of  the  construction  of  this  waterway  from  ocean  to  ocean. 
When  we  think  of  the  age  of  the  world  and  the  compara- 
tively short  lime  that  the  United  States  has  been  a  world  power, 
it  is  astonishing  and  remarkable  that  the  whole  country,  and 
California  in  particular,  should  have  made  the  progress  they 
have,  and  yet  I  believe  that  during  the  next  twenty-five  years 
the  advancement  along  all  lines  of  development  in  San  Fran- 
eiseo  and  California  will  be  more  rapid  and  more  compre- 
hensive than  it  has  been  during  the  past  fifty  years. 

60 


SAX   FRANCISCO       THE   FINANCIAL,  COMMER(  I  \l.  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFK     COAS1 


It  is  difficult  to  predict  whal  will  taki  plaa  upon  th<  Pacific 
('oast  during  the  next  twenty  or  thirty  years.  One's  imagina- 
tion finds  it  hard  to  confine  itself  in  studying  th<  pott  ntialiti<  s 
of  this  ocean.  When  we  stop  to  think  that  tin  whole  Pacific 
Coast  of  Siberia,  Japan,  China,  the  Philippines,  Australia  and 
New  Zealand,  as  well  as  tli.it  of  South  and  Central  Amerii 
only  in  the  infancy  of  its  material  and  commercial  possibilities, 
we  cannot  help  being  lost  in  a  maze  of  possibilities  that  will  be 
realized  by  our  children  and  our  grandchildren.  When  p 
at  last  comes  to  Europe,  I  am  one  of  those  who  believ<  that 
lasting  peace  will  come  to  all  the  world,  and,  it  it  do<  s,  then 
can  be  no  limit  to  the  progress  that  \\  ill  I"  made  bj  tin  count ri<  s 
which  debouch  upon  the  Pacific  seas.  Although  with  this 
thought  in  mind.  I  mighl  discuss  Asia  and  Australia,  I  am  con- 
fining these  observations  to  the  field  with  which  I  am  at  the 
present  time  intimately  associated,  namely,  that  ol  Latin 
America. 

In  order  to  fully  appreciate  what   Latin  America   means  to 
San    Francisco   and    California,   we    must    divide    it    into    tin.  < 
important   segregations.      The   first   of   these    is   that    wonderful 
coast  line  which  reaches  Tor  nearly  8,000  miles  southeast  from 
the    California    and    Mexican    line    to    the    Straits    ol    Magellan. 
Tributary    to    this    coast    is    a    population    ol     approximately 
25,000,000   and    an    annual    foreign    comnn  rc<     ol    £500.000,000 
When  it  is  borne  in  mind  ih.it  this  population  is  not  one-fourth 
the  number  which  thai  const  could  support  and  that  this  com- 
merce was  developed   without   the   Panama   (  anal,  and,   mon 
over,  in  itself  represents  an  increase  ol  nearlj  on<    hundred  per 
cent,  in  the  hist  ten  years,  it   is  perfectlj    reasonabli    to  predict 
that,  alter  the  war,  there  will  be  an  immigration  into  this  Pacific 
section  of  Latin  America   from   Europi     md   tin    l  nit<  d  st.it.s. 
together   with   an    incoming  ol    capital   and   a    development   ol 
trade,  which  w  ill  surprise  th<   world.    As  Latin   America's  Pacific 
Coasl    commerce    of    £400,000,000    shows    an    increase     ol    on< 
hundred  per  cent,  in  ten  years  without   tin    Canal,  it   i^  I" 
to    prophesy    thai    this    trade    in    th<    nexl    ten    years   with    1 1 » « 
Canal  open  will  gro\*   to  M ,500,000.000      In  this.  San  Fran< 
and  California  should  have  a   large  share,  il    thej   an    up  and 
doing  and   I  a  Ut    advantage  ol    the  opportunity. 

In  studying  th<  influences  ol  thi  Canal,  it  must  be  remem- 
bered thai  tin  advantages  ol  it  do  nol  conn  from  mcreh 
sending  ships  through  it.  hut  from  thi  mw  life,  prosperity  and 
progress  which  it  brings  to  a   vast  section  ol   th<    country    that 


SAN    FRANCISCO  —  THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 

can  be  reached  by  the  vessels  of  San  Francisco  and  California 
without  going  through  the  Canal. 

The  second  segregatioD  worthy  of  the  attention  of  San 
Francisco  and  California  is  that  of  Hie  Gulf  and  Caribbean 
coast  to  be  reached  through  the  Canal  and  on  the  way  to  the 
Atlantic  and  Gulf  coast  of  the  United  States.  Within  approxi- 
mately 1  500  miles  of  Colon  on  the  Atlantic  side  of  the  Canal 
is  a  coast  line  of  Latin  America  extending  for  over  3000  miles 
and  having  tributary  to  it  a  population  of  nearly  30,000,000  and 
an  annual  Foreign  trade  of  $700,000,000.  Before  the  Canal  was 
built,  this  coast  was  in  a  "cul  de  sac"  or  "blind  alley,"  but  the 
Canal  has  placed  it  upon  a  great  world  route.  If  it  could  do 
a  foreign  business  in  one  year  of  $700,000,000  without  the  Canal, 
it  is  natural  to  predict  that  it  will  conduct  a  trade  valued  at 
$1,400,000,000  in  the  next  ten  years.  Of  this,  certainly  San 
Francisco  and  California  should  get  their  share.  Too  often  the 
Californians  think  erf  the  Canal  as  a  route  merely  to  reach  the 
Atlantic  and  Gulf  seaports  of  the  United  States,  without  taking 
into  consideration  the  countries  of  Latin  America  which  border 
on  the  Gulf  of  Mexico  and  the  Caribbean  Sea,  including  Mexico, 
Guatemala,  Honduras,  Nicaragua,  Costa  Rica,  Panama,  Colom- 
bia, Venezuela,  the   Dominican  Republic,   Haiti  and   Cuba. 

The  third  segregation  is  more  remote  and  possibly  holds 
out  the  least  opportunity  for  California  and  San  Francisco, 
but  still  it  is  one  of  great  present  foreign  trade  and  splendid 
future  potentialities.  Within  this  group  must  be  included  the 
countries  of  the  Atlantic  or  east  coast  of  South  America,  namely, 
Brazil.  Uruguay  and  Argentina,  and  Paraguay  which  is  reached 
by  way  of  the  Parana  River.  These  countries  have  a  total 
population  of  approximately  30,000,000  and  conduct  an  annual 
foreign  trade  valued  at  nearly  $1,600,000,000.  The  amount  of 
trade  that  California  and  San  Francisco  will  do  with  these 
countries  and  with  their  principal  ports— Rio  dc  Janeiro,  Monte- 
video. Buenos  Aires  and  Asuncion — depends  largely  upon  the 
efforts  of  the  exporters  of  the  Coast  and  the  importers  of  South 
America. 

Returning  now  to  the  first  segregation,  I  desire  to  lay  special 
stress  upon  the  western  coast  of  Mexico  and  Central  America, 
which  extends  for  a  distance  of  between  3000  to  1000  miles 
from  San  Diego.  California,  to  Panama.  It  is  the  opinion  of 
the  best  experts  that  the  Pacific  section  of  Mexico  will,  upon 
the  beginning  of  an  era  of  peace  and  stability  in  that  country, 
enter  upon   a    period   of  material,   commercial,   agricultural   and 

62 


SAN   FRANCISCO        I  III     I  IN  W  I  \i     -  OMMI  R<  I  •  I 
[NDUSTRIAL    Mil  ROPOLIS  of  th<    PACIFK 


economic  progress  which  will  surprise    Ihe  optimists  and 
found   lh«'   pessimists.     M    is   also   interesting   i<>   bear   in   mind 
lli.it    the   western    portion   <>l    central 


111,11        llll  \\  I    .SI  I     III        [Mil    lltlll        1)1        t    .        II!      II  ,|  '      Mill        IS        I    •     .lll\         IIS       lllOSl 

resourceful  ;ni<l  most  progressive  pari  and  ii  is  thci  onl) 

,i  question  of  time  when,  with  th<  incoming  <>i  n<  w  population 
and  capital,  th<  building  of  railroads  and  th<  improvemenl  <»i 
steamship   connections,   this  coasl    will    r<  liead   in   ■  • 

thai    will    vastly    increasi     its    trad<     with    California    and    N 
America. 

II  is  impossible,  within  the  limited  spac<   "i  an  artich   "I  tins 
kind,  lo  <lo  more  than  touch  a   t<w   ol    the  high  |><niiis  ol    the 
relations  of  S;m  Francisco  and  California  t<>  tin    Panani     I 
;iikI  Pan-American  commerce,  hut  I  will  conclude    m>   obs< 
lions  with  .i  statement  ol   a  F<  w   g<  n<  ral  facts  which  |>r<>\«    the 
importance  of  all  Latin  America. 

These  twentj  countries  lying  south  <»t  the  l  nited  States  in  •< 
line  drawn  from  the  Pacific  | > < » i 1 1 1  of  tin  California  Mexico 
boundary  r;ist  through  Ihe  channel  l»>  lw<  i  n  Florid  i  and  (  lib  i, 
cover  an  area  exceeding  9,000,000  square  miles,  which  is  •  <  ( n .  1 1 
to  three  times  the  connected  area  <>i  tin  I  mt.<l  States  I  In  \ 
have  n  population  «>i  approximately  75,000,000,  which  is  <<|n.il 
to  three-fourths  the  total  population  «>t  this  country  I  h<  \ 
conduct    .in    annual    foreign    1 1; i < I <     valued     it    approximate!) 

$3,000,000,1 which  is  equal  to  thre<   tilths  ol   Un    total  foi 

trade  of  the  I  nited  Stat<  s.  I  ontrai*}  to  tin  u<  n<  ral  i  \p>  elation, 
the  United  States  is  nol  laggard  in  its  commerce  with  l.-itm 
America.  Although  there  are  splendid  opportunities  for  its 
extension  and  building  n|>.  th<  l  nited  States  has  ni.nl.  remark- 
able progress  in  Ihe  exchang  "l  its  products  with  Latin  Ann 
dniiii!;  iln  last  1 1  w  years  until  m>w  this  country  is  ahead  <\<n 
ol  England  and  German}  in  its  total  commerce  with  tin  s. 
iw  entj  count ri<  s  ot  Central  and  South    Vmei 

in   1913,  according  to  th<    latest  official  statistics  "t   11 
American    l  nion,   Ihe    I  mt<  «l   si.it.  s  bought   mil   sold   with    its 
sister  republics  products  valued  in  excess  ot    vmmummmmhi    i 
land  came  next  with    i  valuation  ol  approximately   «4>|(MNNi.(Mio, 
and  I  "  1 1 1 1 . 1 1 1  x   w  as  third  with  W  10,000, 


SAN    FRANCISCO  —  THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 


SAN  FRANCISCO'S  FINANCES 

By  II.    \     MASON 
Bond  Expert  San  Francisco  liunril  of  Supervisors 

i  ^  AN  FRANCISCO'S  financial  a  Hairs  arc  managed  in  a  highly 
^^  satisfactory  manner.  lis  accounting  system  has  been  com- 
^-^  mended  by  the  officials  connected  with  the  United  States 
Census  Bureau  as  being  one  of  the  best  in  the  country. 

Under  the  law  all  municipal  expenses  must  be  paid  from  the 
City's  annual  revenues,  unless  bonds  are  authorized  by  a  two- 
thirds  vote  of  the  electors.  Hence  there  is  no  "floating  debt"  and 
borrowing  money  to  meet  ordinary  expenditures  is  a  thing 
unknown. 

Annual  expenditures  arc  provided  for  under  a  "budget 
system"  and  every  safeguard  is  placed  against  municipal  extrav- 
agance. The  bonded  debt  expressed  in  the  following  statement 
was  incurred  for  the  purpose  of  making  improvements,  a  large 
part  of  which  was  for  the  replacement  of  public  buildings 
destroyed  by  the  great  fire  of  1906. 

STATEMENT  OF  THE   BONDED  DEBT   OF  THE  CITY  AND 
COUNTY  OF  SAN  FRANCISCO  ON  FEBRUARY  15,  1915. 

Three  and  one-half  per  cent  bonds — 

Issue  of  1904  for  various   improvements $  2,739,000 

Four  and  one-half  per  cent  bonds — 

Polytechnic   High  School,   1910 550,000 

Geary  Street    Railway,   10 10 1,900,000 

Market   Street   Railway,   1910 75,000 

Hospital-Jail    Completion,    1913 (579,000 

Water  Bonds    (Hetch-Hetchy),    1910 1,598,000 

l'i\  e  per  cent  bonds — 

Issue  of   1908   for  various   improvements 17,330,000 

City    Hall    Bonds,    1012 8,800,000 

Exposition    Bonds,    1012    5,000,000 

Municipal   Railways,   11)13 3,500,000 

Total  Debt   *42,171,000 

The  amount  of  the  assessment  roll  upon  which  taxes  are 
computed  for  the  year  191  1-1.")  is  $541,791,463. 

The  tax  rate  for  municipal  purposes  was  $2.25  and  for  State 
purposes  $0,039  on  each  $100  of  assessed  valuation. 

The  total  appropriations  made  in  the  annual  budget  for  the 
support  of  the  government  for  the  fiscal  year  1914-15  was 
$1  1,916,465.16,  of  which  the  sum  of  *2.,.)1,.).77:,>  was  to  pay  interest 
and  principal  on  the  bonded  debt. 

04 


SAN    FRANCISCO        I  III.    I  IN  \V  I  \l      I  OMM1  R(  I  \l 
INDUSTRIAL    Mil  ROPOLIS  o/  \he  PACIFK     I 


Ml  \IGIPAL  o\\  MERSHIP   l\ 
S\\    FRANCISCO 

Bi    l  Wll  -  Rl  >i  ill 

SAN  FRANCISCO,  since  the  fin  of  1906,  has  grown  u 
City  of  more  than  hall  b  million  people.  Man)  m  «  and 
importanl  problems  presented  tin  nis(  |\.  >,  upon  m)  en- 
trance  ini<>  office  <>n  January  8,  1912.  San  Francisco  had  a  In  nd> 
been  selected  by  the  Federal  Government  as  th<  <  it)  in  which 
the  Nation  should  celebrate  tin  completion  "I  the  Panama 
Canal.  There  was  already  a  stirring  of  m  w  activity  i«>  indicate 
the  greal  growth  ;ni<l  prosperity  thai  was  certain  t<>  com*  t < » 
S;in  Francisco  and  the  entire  Bay  region  with  the  opening  <>i 
this  new  artery  of  world  commerce.  Ii  was  evidcnJ  thai  m  w 
population  would  begin  i<>  how  into  th<  City.  I"  mecl  tins' 
immediate  needs  ;i  targe  amount  ol  reconstruction  and  ol 
entirely  new  construction  was  outlined  to  I"  done  within  tin- 
period  of,  approximately,  four  years  or  less.  Streets  wen  ^t il I 
in  n  deplorable  condition  as  an  aft<  r  result  <>i  tin  gn  ul  Hi 
1906,  and  the  period  <»i   rebuilding  was  stdl   in  progress. 

New  transportation  facilities  were  demanded,  both  for  the 
people  already  li\ini_;  in  the  City,  and  for  the  thousands  "i 
prospective  citizens  who  would  Bnd  homes  in  tin  (  1 1 x "s  out- 
lying  districts  it  streei  car  lims  were  provided.  W  iter  was 
;i  crying  need,  confronting  the  administration  as  on-  "i  its 
most  serious  problems. 

In  addition  to  this,  tin  need  ol  public  buildings  a  <  it)  Hall, 
City  and  Count)  Hospital,  Public  Libra  r)  and  School  Buildings, 
was  pressing. 

I    had   promised,   in   m)    platform,   t"  do  all    possihh    t"  i  % 
pedite  tin    construction  «>t   tin    Gear)   Streei   Municipal   \\ 
Contracts    win     immediatel)    lei    and    ever)    inducement    was 
offered   i<>  the  contractors  t"  push   th<    progress  ol    their  w«'ik 
with  nil  possibli    speed.     It  wis  realized  thai  public  ownership 
of  street  railways  in  the  l  nited  States  was  on  trial     On  I  >>  >  •  m 
ber  28,   1912,   tin    Gear)    Streei   Municipal   Railwa)    operated   its 
tirsl     cars    over    tin      Inn      from     k<.nii\     sin  'I     ti>     I  hirt\   ninth 

Avenue.     With  i  ich  month  additional  cars  wen    brought   into 
service.     A   campaign   hid   t<»  tx    waged   befon    tin    pcopl< 
the  ratification  "i    an  agreemenl   whereb)    tin    City's  cars  wen 


SAX   FRANCISCO  — THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 

enabled  to  reach  the  Ferry  Building  over  Lower  Market  Street. 
This  was  overwhelmingly  approved,  and  the  wisdom  of  the 
voters  was  shown  by  the  immediate  and  substantial  increase 
in  the  receipts  of  the  railroad,  which  showed,  for  the  first  year 
of  its  operation,  a  net  profit  of  $85,345.80  after  the  payment  of 
operating  expenses,  depreciation,  interest  and  sinking  fund 
upon  bonds. 

On  August  20th,  1913,  the  people  carried,  by  a  large  majority, 
an  issue  of  .$3,500,000  bonds  for  extensions  to  the  municipal 
railway  system,  to  furnish  adequate  transportation  to  the 
Exposition  and  to  make  a  beginning  toward  extending  feeder 
lines  into  outlying  districts  not  enjoying  proper  transportation 
facilities.  The  majority  of  these  lines  are  now  completed  and 
in  operation. 

The  erection  of  a  new  City  Hall  is  one  of  the  administration's 
important  responsibilities.  The  idea  of  a  Civic  Center  around 
which  should  be  grouped  monumental  public  buildings  grew 
from  the  proposal  to  supply  a  new  official  home  for  San  Fran- 
cisco. On  March  28th,  1912,  the  people  voted  $8,800,000  bonds  for 
the  purchase  of  land  and  construction  of  a  City  Hall.  Ground 
was  broken  for  that  building  April  5th,  1913,  and  the  corner- 
stone was  laid  October  25th.  Work  has  advanced  steadily  and 
the  building  will  be  occupied  before  the  end  of  1915. 

The  Auditorium,  costing  $1,210,000,  of  which  $1,000,000  was 
expended  in  its  erection  by  the  Exposition  out  of  $5,000,000  in 
bonds  voted  by  the  City,  is  now  complete  and  serving  as  a 
meeting  place  for  many  important  conventions  drawn  to  this 
City  by  the  Exposition.  Plans  are  going  forward  for  the  erec- 
tion of  a  public  library  building  for  which  the  excavation  and 
foundation  contracts  have  been  let,  and  steps  have  also  been 
taken  for  a  State  building  and  other  similar  structures  to  be 
grouped  about  the  central  square  of  the  Civic  Center. 

Water,  while  being  one  of  the  greatest  needs  of  San  Fran- 
cisco, has  also  constituted  one  of  its  most  difficult  problems. 
For  thirteen  years  this  City  had  been  bending  every  endeavor 
to  obtain  from  the  Federal  Government  a  grant  of  rights  in  the 
Hetch-Hetchy  Valley  of  the  Yoscmite  National  Park,  such  as 
would  enable  it  to  construct  a  water  system  adequate  for  all 
time  to  come,  and  providing  the  purest  water  to  be  had.  A 
delegation  of  City  Officials  went  to  Washington  in  December, 
1912,  for  a  hearing  before  the  Secretary  of  the  Interior,  upon 
the  so-called  Garfield  Grant.  Failing  in  this  attempt  to  obtain 
the   final   approval  of   the   desired  permit,   the   City  then  went 

66 


SAX   FRANCISCO  —  THE   FINANCIAL,  COMMERl  I  \l.  and 
INDUSTRIAL   METROPOLIS  of  the  PACI1  h 


direct  to  Congress,  in  1913,  and  present  d  its  claim  to  this  water 
source  in  the  Sierra.     II  was  a  Long,  difficult  1  i .«_*  1 1 1  in  which  tin 
administration  became  engaged.     Opposition  was  so  developed 
from  various  sources  that  the  struggle  in   the   Hous<    oi    Rep 
sentatives  and  in  the  Senate  grew  into  one  of  the  most  spirit-  <1 
ever  waged  in  Congress.     San  Francisco's  presentation  ot   facta 
and    arguments    finally    won.      In    the    closing    minutes    ol 
dramatic  session  before   the  Senate  on   December  6,   1913,  < •  u r 
people  had   the  satisfaction  ot  seeing   tin    n  alization   <»l    their 
hopes. 

With  the  Hetch-Hetchy  grant  obtained,  tin  administration 
renewed  its  efforts  to  solve  its  immediate  and  local  problem 
of  water  by  the  acquisition  ot"  the  properties  of  the  Spring 
Valley  Water  Company.  These  efforts  are  now  focus*  d  in  the 
election  to  he  held  on  April  20  providing  for  the  issuance  of 
bonds  to  purchase  the  system  and  thus  make  possible  the  long- 
needed  extensions  into  outlying  districts  tied  will  hsmip  home- 
building  and  increased  population  in  these  sections. 

One  of  the  unfinished  public  undertakings  which  required 
the  immediate  attention  of  the  new  administration  was  tie 
Auxiliary  High  Pressure  System  for  lire  Protection.  Work 
Upon    this  system    was   pressed    with    nil    possible    dispatch,       lie 

pumping   station    at    Second    and    Townsend    streets    was    first 
completed,  followed  at  a   later  date  by   tie    acc<  ptance  of  the 
pumping  plant  at  Port  Mason.    Seventy-two  miles  <>f  main  w< 
laid  in  the  streets.    The  Twin  Peaks  reservoir,  with  .i  capacity 
of  11,000,000  gallons  was  completed  ami  accepted,  and  tie    sys 
tem  was  incorporated  into  the  lire-lighting  facilities  <•!   tin    fln 
department.     One  effect  of  this  was  the  reduction  in  insurai 
rates,  saving  to  the  citizens  an  amount   estimated   ;it   approxi- 
mately $1,000,000  a    year.     The   reduction    was  obtained    rrom 
the  insurance  companies  before  the  High  Pressure  System  was 
completed  in  all  its  units,  upon  tie    show  inn  ol   gn  alls    iucr.    in,  <| 
protection  of  property. 

Work  had.  meantime,  gone  forward  on  other  public  build- 
ings.    The   San    Francisco    Hospital    has   been    finished    and    is 
being  prepared  for  occupancy   in  the  near  future.     Man)   public 
schools  have  been  built  to  care  for  lie    grow  ing  m  i  ds  <■!  <  du< 
jjon  in  various  districts  of  the  city. 

A  consistent  program  <■!  street  reconstruction  and  paving 
has  been  followed.  Under  lie  direction  of  tie  I'm.ine.  Com- 
mittee <>f  the  Hoard  of  Supervisors  f  1,150,000  was  expended  for 
this  purpose  in  the  fiscal  year  1913  I'd  I.  and  a  similar  sum  I 


SAX    FRANCISCO  —  THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 

been  provided  for  in  the  year  1914-1915.  This  work  has  been 
planned  systematically  in  order  to  open  well  paved  arteries  in 
the  various  districts  of  the  city.  Everything  possible  is  being 
done  to  make  the  city  worthy  of  her  position  as  hostess  to 
the  world  during  the  exposition  year,  and  to  provide  for  her 
undoubted  growth  and  advancement  in  the  future.  A  forward 
step  in  this  direction  has  been  taken  in  the  beginning  of  actual 
construction  upon  the  Twin  Peaks  tunnel,  which  will  bring  a 
district  of  excellent  homesites  within  easy  reach  of  our  impor- 
tant business  sections.  The  Stockton-street  tunnel,  completed 
this  year  and  through  which  our  municipal  cars  are  now 
operating,  is  performing  a  similar  service  in  providing  trans- 
portation for  the  North  Beach  district. 

The  People  of  San  Francisco,  who,  as  taxpayers  and  citizens, 
have  made  possible  whatever  of  a  constructive  nature  has  been 
accomplished  during  the  past  three  years  and  more,  deserve 
every  credit  for  the  work  that  has  been  performed  to  improve 
their  city,  which,  I  believe,  has  before  it  an  era  of  unusual 
progress  and  activity,  resulting  in  a  large  measure  from  the 
events  focused  in  the  completion  of  the  Canal  and  our 
Exposition. 


&*1* 


1ST 


Court  of  the  Four  Seasons  at  Night 


68 


Panorama  "i   the  I  xp 


THE  PAIN  \M  ^-PACIFIC  EXPOSITH  »\ 


J  ■  ^  HE  Panama-Pacific  International  Exposition  al  San  Fran- 
cisco is  ;i  distinctly  national  achievement,  determined 
*•  upon  by  the  Congress  of  ih<  United  Stat<  s,  and  d<  signau  <l 
by  llic  President  for  the  purpose  ol  eel  brating  the  opening  <>t 
the  Panama  Canal,  a  national  accomplishment  thai  important  I) 
affects  the  entire  world.  In  assuming  ih<  burden  and  expens* 
<»r  this  mammoth  celebration  the  people  ol  California  havt 
discharged  an  important  public  duty  and  executed  ;i  national 
trust,  the  accruing  benefits  <»r  which  will  be  shared  bj  everj 
state  in  the  Union. 

While  this  greater  inter-hemisphere  waterway  is  a  national 
project,  it  is.  nevertheless,  a  world's  asset,  and  the  ci  I'  bration  <>i 
its  opening  is  being  participated  in  by  man}  <>t  the  nations  <>i 
the  world.  The  Exposition  constitutes  an  international  con- 
course of  tremendous  significance  in  its  i  il<  cl  upon  lh<  natural 
productivity  ;m<l  commercial  activity  «>l  all  countries,  and  mon 
especially  <>r  the  United  States  <>t   America. 

In  February,  1912,  President  William  Howard  raft  issued  a 
proclamation  announcing  the  holding  <>i  this  great  I  ^position 
and  inviting  the  nations  of  the  world  i<>  take  part.  On  October 
II.  1911,  in  the  presence  of  ;i  great  multitude,  President  l.iit 
turned  the  first  spadeful  <>i  earth  at  San  Francisco  for  th.  I  % 
sition.  The  President,  the  Governor  ol  California,  and  th. 
Mayor  <»l  S;ni  Francisco  delivered  addresses  lh<  vessels 
the  l\ieilie  fleet  in  the  harbor  joined  in  tin  celebration,  md 
there  was  an  extended  military   parade  in  tin    streets. 

The  citizens  of  San   Francisco  subscribed   S7.(l  for  tin 

Exposition,  and  later  additional  sums  wen    p  I        Stnti 

of  California  appropriat<  il  £5,000.000   ind  tin    Municipal  (iov<  rn- 
i  ment   of  San   Francisco    £5,000,000,   to   tin    general   fund  "i    tin 
Exposition  managenn  nt.     I  In  countii  a  "t  (  aliforni  ■  rais*  d  I 
sums   for   their   individual    representations      I  sums   w 

expended  l>\    the  participating  nations  and  b)   lh<    st  tin 

Union,  while  industrial  and  otln  r  conc<  rns  mad(    unprcccd<  nted 


SAX    FRANCISCO  — THE    FINANCIAL,  COMMERCIAL  and 
[NDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 


1  venue 

of  Palms 

with 

Tower  of 

Jewels 


preparations   for   their  private   exhibits.     The  grand  total  con- 
stitutes an   expenditure   of  approximately  $50,000,000. 

Visitors  to  the  Exposition  will  gain  their  first  impression  of 
the  magnificent  enterprise  from  an  entrancing  view  of  its  archi- 
tectural features.  Seen  from  the  water  approach,  over  the  Bay 
of  Sau  Francisco,  or  from  the  overhanging  hills  of  the  city  in 
the  background,  the  spectacle  is  a  glorious  one,  inspiring  both 
delight  and  wonder. 

The  site  upon  which  the  Exposition  was  built  could  not  have 
been  duplicated  elsewhere  on  the  globe.  It  combines  to  an 
extraordinary  degree  the  qualities  of  scenic  beauty  with  accessi- 
bility and  convenience.  It  occupies  a  natural  amphitheatre  on 
the  shore  of  the  Bay  of  San  Francisco,  just  within  the  famous 
Golden  Gate,  with  the  wooded  slope  of  Mount  Tamalpais  and 
the  beautiful  Marin  Hills  opposite.  Reaching  from  Fort  Mason 
on  the  east  to  the  United  States  government  Presidio  military 
reservation  on  the  west,  the  north  facade  of  the  great  "Walled 
City  of  the  Orient,"  as  it  has  been  called,  occupies  its  center, 
flouting  on  the  Marina  with  its  mile-and-a-half  wide  lawn  tliat 
reaches  down  to  the  water's  edge.  The  Exposition  grounds  are 
within  twenty  minutes'  ride  from  the  center  of  the  city. 

Chateau,  castle,  and  cathedral  of  the  old  world,  built  of 
enduring  stone,  towering  upon  tall  mountain,  or  gleaming  white 
in  sequestered  vale,  in  wealth  of  carving,  in  alluring  contour,  in 
tower  and  battlement,  and  embrasured  window  and  arched 
doorway,  are  the  shrines  of  all  travelers  who  love  the  beautiful 
in  architecture  and  art.  The  infinite  labor  bestowed  upon  their 
construction,  the  long  years  in  building,  the  genius  lav- 
ished upon  their  adornment,  render  their  appeal  constant  and 
compelling. 

But  it  one  will  consider  the  group  of  eight  exhibit  palaces 
as  one  edifice,  which  in  reality  they  are,  the  structure  must  rank 
as  one  of  the  great  buildings  of  the  world,  and  so  it  will  appear 
when   its   massive   dignity  and   beauty  of  outline  first  greet  the 

eye.  Lacking  in  orna- 
mental detail,  the  men- 
tal comparison  will  at 
once  disclose  the  majesty 
of  extent  and  the  repose- 
ful grandeur  which  ren- 
der this  creation  one  of 
the  most  notable  archi- 
tectural triumphs  of  this 
or    any    other    age.      For 

70 


SAN    FRANCIS*  0        Mil.    I  l\  \\<  I  \i  .  .  OMMER(  l  \l 
INDUSTRIAL    Mil  ROPOLIS  0/  tin    PACIFK     COASI 


r 


x  \\ 


this  central  group 
of  compacted  pal- 
aces,  tliis  one  mag- 
nificent edifice,  is 
Ranked  on  three 
sides  by  other  great 
e xhibit  |>;i  l;i ces, 
which,  with  Hit  pa- 
vilions of  the  na- 
tions and   the  slates 

stretching  away  fan 

shaped  along  the  bay,  emphasize  and  ac©  nl  its  siz<   and  ^|>l«  ndor. 

From   the  city's  heights  one   looks  down  on    1   Fncad<    t! 
quarters  nl'  a  mile  long,  dominati  <l  al  its  c<  nt<  r  bj    1  l"it\  *  \-  n- 
storied  lower,  named  the  "Tower  «>i  J<  w.  K."   132  F<  •  1  in  h< 
and  broken  <>n  either  side  by  an  open  court  ornamented  with 
lesser   towers.     As   the   eye    rests   upon    the    rectangular   group, 
eight  greal  domes  claim  the  attention,  distinguishing  tin    1 
tion  of  .in  equal  number  <>I  exhibit  palac*  s,  dom<  s  <»i  s< 
color,  pale  againsl   the   intense  blue  <>l    th<    skj    and   th<    bright 
red  of  the  tiled  roofs.    One  notes  that  avenues  bisect  tin    group 
at  right  angles,  widening  along  the  lat<  ral  axis  into  tin . .   courts, 
thai  in  the  center  are  spacious  and  highl}  1  mb<  llishi  d. 

And  now  tin  eye  withdraws  From  this  c<  ntral  group  building, 
attracted  by  the  iwo  domed  structures  in  lie  South  Gardens, 
Festival  Hall  and  the  Palace  <>i  Horticulture.  I"  th<  east,  rests 
the  Palace  of  Machinery,  containing  eight  acres  <»i  floor  »i 
of  grave  exterior  and  regular  lines.  I<>  tin  wist  across  the 
still  lake,  and  curving  i«>  its  shores,  th<  arc  "i  .1  circle,  eleven 
hundred    Feel   along   its  outer  circumference,   its  Fn<    ■  long 

colonnade  embracing  an   ornat<    pergola,  stands   th<    Palai 
Fine  Arts. 

And  then,  in volun ta rily,  1 1 1 1    ey<    1 1 1 1 s  and  sweeping  |  >  1 a 1  1  h  < 
the  esplanade  on   the  ba> 
shore  rests  w  iili  delight  on 
the   encircling    mountains 
and  marine  views,  lit  set 
ting    For    1 1 1  i  ^    marvelous 

,'M(i  )lll  |)l  isllllli    III. 

Hilt       let       lis      I   liter      111. 

charmed  enclosun  For  1 
more  intimate  stud)  "I 
these    exhibit    palaces 

Passing   through    tin     main 

71 


s  \\   i  i:  tNClSCO 
l  MM  si  RIAL   ME 

THE   FINANCIAL, 
TROPOLIS  of  the 

COMMERCIAL  and 
PACIFIC   COAST 

Looking 
North  in  tin- 

I  unrl  oj 
I 'ill  ins 


entrance,  underneath  the  Tower  of  Jewels,  we  enter  the-  cen- 
tral court,  called  the  "Courl  of  the  Universe."  Elliptical  in 
shape,  700  l>\  900  feet,  il  contains  ;i  sunken  garden  capable 
of  seating  seven  thousand  persons,  is  entirely  surrounded  by 
handsome  colonnades  supporting  one  hundred  and  ten  star- 
crowned  figures,  the  fa- 
cades of  the  four  palaces 
being  modified  to  form 
the  walls  of  the  court. 
The  entrance  from  the 
Lateral  avenue  on  the 
east  and  west  are  sur- 
mounted by  magnificent 
archways.  That  on  the 
east  is  called  the  "Arch 
of  the  Rising  Sun."  Above  it.  colossal  animal  figures  typify 
life  in  the  Orient.  To  the  west  the  lofty  archway  is  called  the 
"Arch  of  the  Setting  Sun."  and  supports  corresponding  figures 
significant  of  life  in  the  Occident.  And  on  the  walls  back  of 
the  colonnades  are  mural  paintings  by  renowned  artists  telling 
in  symbolism  the  story  of  the  rise  of  mankind  to  the  present 
heights  of  progress,  the  significance  of  the  canal,  and  the 
meaning  and  purpose  of  the  Exposition. 

Passing  westward  along  the  avenue  between  the  palaces  of 
Agriculture  and  Liberal  Arts,  the  visitor  enters  the  Court  of 
the  Four  Seasons,  one  of  the  three  major  courts.  Here  he  finds 
a  central  group  of  mythical  figures  gathered  about  Ceres, 
Goddess  of  Agriculture,  while  in  niches  at  the  corners  of  the 
foUr  enclosing  palaces  are  groups  signifying  respectively  Spring, 
Summer,  Autumn.  Winter.  Here,  the  intent  of  mural  paintings 
;ilso  is  to  embody  the  opulence  and  bounty  of  nature  in  the 
West.  flic  corresponding  court  on  the  east  is  the  Court  of 
Abundance.  Two  minor  courts  open  to  the  south,  that  on  the 
east,  the  Court  of  Flowers;  on   the  west,  the  Court  of  Palms. 

To  the  north  of  this  compacted  group  of  palaces  stretches 
Ha  long  Esplanade,  threaded  with  walks  and  driveways  and 
Studded  with  shrubs,  plants  and  trees  that  are  tribute  of  two 
/.oiks.  On  the  south  the  extensive  gardens  are  continually 
bright  with  seasonal  flowers,  while  over  beyond  the  supcul) 
Palace  of  Fine  Arts  in  bewildering  array  the  dignified  foreign 
Pavilions  and  imposing  buildings  of  the  slates  arrest  the  atten- 
tion and  invite  the  close  inspection  because  of  peculiar  features 
indicative  of  resources,  power,  or  fame. 

75! 


SAN    FRANCISCO        I  III.    KINANCIAI     COMMKRCLM 
INDUSTRIAL    METROPOLIS 


I  In    following  foreign  nations  an    parli<  in  tin 

sition:    Argentina,  Australia,  Austria,  Bolivi      I 
Canada,  <  !hina,  <  uba,  Denmark,  Ciermai 
land,  India,  Italy,  Japan,  N<       Zealand,  N  I ' 

si;i.    Portugal,    Si.un.    Spun.    Sweden,    Turl 

III.  i '    are  fortj  -thn  i    stat<  s  and   l<  rrit< 
ticiji.i nts,   and    lhes<    arc:      Alabama,    Arizoi 
fornia,    <  )olorad< >.    Delaware,    Florida,    (icoi  II 

llliiiuis.  Indiana,  Iowa,  Kansas,  Kentucky,   I  ■■  S\ 

Massachusetts,   Michigan,   Nebrasl        S       ida,   \ 
Vork,  North  I  arolina,  North  Dakota,  Ohio,  < 
Pennsylvania,     Philippines,     Rhod<      Island,     South     ( 
I .  inn  Bsee,     I  -  xas,    I  lab,    \  ii  ginia,    W<  si    \  VN         iinin. 

Wyoming,    Washington,    Minnesota,    Mississippi,    Missouri 
Montana. 

( )l   the  foreign   nations  mon    hav<    pavilions  than 
erected  at  anj  <>ili<  r  i  ^position.     I  h< 

khis.     Of    the    participating   states   and    territories    twenh 
have  buildings.    Th<  s<   structun  i  art    rich  in  inh  resl     s 
merely  attractive  structures  buill  t<>  l»<    tli«   center  ol  II 
or  nation's  activities  and  tin    hom<   <>i  tin    man} 
Others  are  reproductions  ««i  famous  places  and  I'omhii 
I i< in   with  entertainment  and   servi 

As    examples    maj    I"     considered    tin     pavilion 
I  )*  inn. nix.  which  is  n  i'  production  ol  Ilamh  I"    I 
Kronbi  pg  i    isi  |.    ,ii  I  Jsinoi  i       \<  i  oss  lh< 
ing  is  tin   r.  production  ol  tin   Pal  us  d<   I  i  gion  il  i  i 
w  .is   erected    bj    Franci        Sol  is    tin     litll<     I 

community   with  its  ri  pn  sent.-i  ^^^    __^^^=_ 

1 1< hi    <ii    on<    of    tin     temples   ol 
tin    Forbidd<  n  <  ity. 

Iln    Japanese     rempl 
product  ion  "t   tin    i  xquisiti    K 
K  i   Imi  .1  i.  ;it   Kioto,  in   its  acres 
<>i    Japan*  s<     g  n  il.  n,   is    iiti 
ing  much  att<  nl ion      Iln    i 
ish  p;i\  ilmn  is  .1  1 .  productiol 
tin    mosqu*   "i  Suit  in    Umu  <l  I . 
Si. nn  li.is  0  dupli<  at< 
reproduc*  d  n  s<  ction  ol  a  I)  pical  Ital 
structun  i  «  ith   g  ird<  ns  and  fountai 
magnifta  nt  buildii 

Vrgl  ntin  1.    w  ith    In  r    -|>l<  mini 

construct*  cl    ts  handsomi    b  pa^  ilion  •  "" 

best  products  <>i  In  r  coui 


SAN    FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC  COAST 


An 
Architectural 

I 


Among  the  slates,  OregoD  has  a  rustic  Parthenon;  Virginia 
lias  given  Mount  Vernon  and  fitted  it  with  furniture  used  by 
George  Washington;  Maryland  has  brought  the  little  brick  home 
of  Charles  (i.  Carroll,  one  of  the  signers  of  the  Declaration  of 
Independence,  and  that  the  appearance  of  age  may  be  con- 
vincing  a  special  preparation  has  been  spread  over  the  brick 
walls.' 

Trenton  Barracks,  the  headquarters  of  General  George 
Washington  before  he  crossed  the  Delaware,  is  on  the  bay  front 
as  the  building  of  New  Jersey,  and  this  is  a  true  representation 
even  to  the  Hag  stall'  surrounded  by  the  iron  picket  fence. 
Ohio,  Illinois,  and  Massachusetts  have  built  copies  of  their  state 
houses.  California  has  erected  a  charming  Mission,  New  York 
a  Fifth  Avenue  mansion,  and  other  states  have  buildings  that 
have  their  appeal. 

At  the  extreme-  opposite  end  of  the  Exposition  grounds  is  the 
$10,000,000  amusement  concession  district,  the  "Zone."  Here 
the  "Yellowstone  G&ffdens,"  the  "Grand  Canyon  of  Arizona," 
representing  investments  of  a  quarter  to  half  a  million  dollars 
each;  the  "Panama  Canal"  and  Frederic  Thompson's  "Toyland 
Crown  Up,"  costing  one  million  dollars,  give  something  of  an 
idea  of  the  quality  of  the  entertainment  offered.  "Japan  Beau- 
tiful," "Creation,"  the  "Aeroscope,"  the  "Chinese  Village"  and 
;i    hundred  others  offer  amusement  and  education. 

Imagination  is  the  keynote  of  the  architectural  scheme  of 
tin  Exposition,  and  each  of  the  marvelous  palaces  and  courts 
represents  the  masterpiece  of  the  designing  architect.  In  direct 
contrast  to  previous  expositions,  the  architecture  at  San  Fran- 
cisco's Exposition  is  not  wholly  in  one  rigid  and  inflexible  style, 

but  displays  the 
various  types  which 
have  won  renown 
in  many  eras  of 
the  world's  princi- 
pal  countries. 

Unhampered  by 
the  limitations  of 
inviolable  conven- 
tion, the  architects 

have     given     free 

rein  to  their  imag- 

million,  and  many 
of  the  buildings 
and    courts    repre- 


SAN    II:  \\<  [SCO        l  III.   I  l\  w  l  \l..  <  OMMI  R<  I  M 
INDUSTRIAL  METROPOLIS  \  <  I  I  h     CO  AS! 


sent  the  realization  ol   dreams  which  few   <»i   tin 
i  ver  hoped   to  Be<    actua IK   construct*  d. 

In  the  Exposition,  taken  ;is  a  whole,  then    is  a  loud 
mysticisms   of   the    Oriental;    th<     realism   cl  tin 

Hellenic  period;  tin    beaut}  <>i  tin   <>M  Spanish 
luxuriousness  and  abandon  ol 
the    Italian    and    tin     massivi 
solidity  of  Hi'    Gothic. 

Perhaps  the  most  l><  a utiful 
of  the   courts   is   the   Court   ol 

Abundance.    In  i th<  r  sp<  ci 

men  of  architecture  at  th<    I 

position  has  imagina lion  play<  «l 

;i   greater  pari   than   it   has   in 

tins  design.    Spectacular  t<»  the  _ 

extreme,  the  details  and  g<  m  ral  i  ns<  mbh   <<\  lh<   court  hold  tli< 

visitor  spellbound   with   admiration   ;it   th<    daring  ol    tin 

ception  and  the  masti  rlj   manner  ol  i  \<  cution. 

Tlic  earth,  from   tin    creation   to   tin    ultimate,   is  tin    tip 
which    the    architect    ambitiousl)    s.  |.  .  t.  <|    for    tin     court 
which  he  \\ orked  oul  in  detail. 

The  \\;ills  ol  tin   courl  w<  n    In  at<  'I  with  giant  columns  and 
;i  tower  at  one  end.    From  the  middle   ol  this  tow<  i  two 

fall-ways  hav<    been  provided  which    vered  with  tin 

water  vines     survivals  ol   prehistoric  vegetation  which  an    >iill 
found  in  "in    mI  (  alifornia's  mineral  springs     ovci   which  w 
emanating  from   q   secret   source    (lows,   visibh    <>nl\     it   points 
where  ridges  causi    it  to  bubble  and  break      I  h.    bottom  ol  tli« 
falls  ;ii'    massed  so  thai   the  destination  <»i   tin  is  .« N. . 

hidden.      I  In  si    nrches   symbolic    tin    mystcn    ol    tin 
w  hence  it  conn  i  and  w  In  n    it  goes 

The  low(  r  pari  ol  th(   courl  is  symbol  i<  al  ol  ll 
the  earth  and   graduations   in   tin 
stages  "i  man's  progress,  until  tin    lip  ol  tin    arch  n 
imaginative    and  allcgorn  il  conception  "t   tin    ultimnh 
UK  nt  of  the  hum. in   i 

l',\  tin    use  ol  ih«    imitation    Iravertim    marbh    i<-i   tin 
in.  nt    ol    all   "i    tin    exteriors   ol    tin    Exposition    palaces,    1 1 >« 
suggestion  ol   plaster  and  stucco  is  eliminated  and  thi    imprrs 
sum  giv<  ii  "i    i  <h .  am  citj  ol  palai 
sui  t   in   tint   and   tone  , 

Non  a  ol   contrast   to  tin    I"  aulil ul 
are  gained  bj  tin   integral  castings  ol  columi 
si.  mi. i   or  \uninli  in   in.  ii  -hi.  .  or  h   verd    intiqui    ii 


SAN    FRANCISCO  — THE  FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL    METROPOLIS  of  the  PACIFIC   COAST 


I'uliir,-  of 

Food 

Products 


gold.  Bui  even  in  these,  the  stratified  texture  of  the  original 
surfaces  are  reproduced  and  the  general  treatment  adhered  to. 
For  the  decorations  of  the  walls  and  all  of  the  figures  are  made 
of  the  same  material,  which  is  unprecedented  in  exposition 
construction   and   designing. 

A  city  of  vast  extent,  composed  of  huge,  picturesque  build- 
ings decorated  in    the  soft- 
est   of    pastel    colors    and 
outlined   with    the    glowing 
radiance   of   electric   lights, 
the    whole    bathed    in    the 
white  beams  of  the  battery 
gjjj    of  scintillators:    that  is  the 
*Wf&    )\    jgfc  .  &&±*J&  '  *■*  :-        '       Exposition  by  night.  Every- 
where   are    lights,    but    no- 
where   are    they    painfully 
prominent.     It  is  a  display  of  the  entire  system  with  the  beams 
of   light   as   the   feature   and   not   the    individual  lights. 

The  basis  of  the  electrical  display  is  founded  on  the  principle 
of  massed  lights  reflected  on  to  the  buildings,  columns  and 
statues.  At  the  tops  of  high  poles  and  surrounding  the  main 
exhibit  palaces  are  batteries  of  high  power  lamps  shielded  on 
the  sides  and  front  with  translucent  banners.  The  rear  is  left 
unshaded  and  the  lights  reflect  on  the  ivory  tinted  walls. 

In  the  several  courts,  various  lighting  plans  are  in  use.  In 
one,  where  the  central  portion  is  occupied  by  a  lagoon,  the 
lights  are  concealed  in  shells  placed  at  the  tops  of  short  poles. 
In  another  the  lights  in  white  globes  form  the  center  of  rosettes. 
On  the  walls  of  the  Court  of  the  Universe  are  a  series  of  figures, 
draped  female  forms  bearing  scintillating  stars  of  jewels  on  the 
heads.  The  jewels  are  so  arranged  that  they  sway  in  the  breeze 
and  in  the  rays  of  the  searchlights  make  a  sight  of  surpassing 
beauty.  On  the  Tower  of  Jewels,  the  entrance  to  this  court. 
rising  135  feet  above  the  earth,  are  125,000  of  these  prisms  in 
the  shades  of  emerald,  ruby,  sapphire,  topaz  and  other  precious 
stones.  The  effect  created  by  the  play  of  200  concealed  search- 
lights with  their  beams  focused  on  the  tower  must  be  seen  to 
be  fully  appreciated,  and  once  seen  never  to  be  forgotten. 

A  background  for  the  entire  lighting  plan  of  the  Exposition 
is  the  scintillator  of  3,600,000  candle  power,  located  in  Yacht 
Harbor,  on  a  pier  extending  across  the  entrance.  The  beautiful 
while  lavs  are  sent  out  in  a  fan-shaped  display  resembling  the 
Aurora  Borealis,  and  by  clever  color  screen  arrangements,  grad- 


7(1 


SAN    FRANCIS*  0        I  III.    I  l\  \M  I  \l  .  I  (JMMI 
INDUSTRIAL    Ml.  I  ROPOLIS  of  th.-  PA(  II  14 

ually  assume  .ill  I  Ik-  shades  <>i  the  rainbow.     I  h.  n  the  indivii 
rays  sweep  the  skies  in  what  is  known  ;is  the  drill.    Tin  \ 
in  parallels,  in  plaid  effects,  Fans  and  plumi  s. 

The  majestic  glass  dome  «>i    the   Palao    ol    Horticultun 
one  of  the  most  beautiful  features  «»i   Hi.    nighty   illumination. 
Located   within   the  dome  are  high-powered   lights  which   plaj 
through   slowly    revolving   color   screens   which    product    color 
combinations  and  changes  with. ml   end.     Man)    uniqui    efl 
are  shown,  including  the  Proc<  ssions  ol   th.    Const*  llation  ol  th< 
Universe,  and  the  Evolution  ol   th<    Nebular  Hypothesis      I  h<  s, 
magnificent  effects  are  varied  bj    processions  ol   grotesque 
amusing  figures  around  the  dome. 

Even  the  atmospheric  conditions  have  given  their  .i^msI  > 
in   making  this  the   most   attractivi    illumination   ever   planned. 
On  some  evenings  there  are  banks  ol  fog  hangii 
of  San  Francisco.    The  searchlights  an    trained  on  the*    h.mks 
and  dye   them  ever}    color  of  tin    rainbow.     When   th< 
lacking,  artificial    fog   is   manufactured.      \    locomotive    i- 
tioned  on   tin-  outer  wall  of  the   Yachl   Harbor  and   th<    steam 
generated    by    this   engine    forms    th<     background    for   similar 
displays. 

The  avenues  of  tin    Exposition  an   softl)  illuminati  «l     I  " 
mental  lamp  posis  are  placed  al  small  mt<r\:ils  .mil  the* 
topped  with  electric  lights  concealed  in  transluc*  m  whit' 
Everywhere   one    looks    there   an     lights,   and    \<  t    it    is   almost 
impossible  to  find  .1  spol  where  the  usual  glan    ol   brillianl 
or  electric  illumination   is  found.     Nowhen    do  th.    eyes  suflTer 
from    the    artificial    light.      I  verj    detail    ol    tin     lighting    was 
planned  before  the  work   was  started.     Ami  th.    planning  had 
lor  its  objeel  th'    1  radication  <>i   thi    ul  in    and  .it  th<    sann    linn 
the    furnishing   ol    enough    lighl    t«>   displ  i\    1I1.    details   ol    tin 
architecture  in  its  minutes!  portion  to  tin    best  advanta 


77 


SAN    FRANCISCO       THE    FINANCIAL,  COMMERCIAI 
INDUSTRIAL    Ml.  I  ROPOLIS  of  the  PACIl  [I     COAS1 


ENCYCLOPEDIC  INFORM  \  I  lo\ 

M.I'll  Mil.  IK    \i  l  )     \i:i:  \  VGED  B]     SUB 
ACADEMY  OF  SCIENCES 

Organized  in  1853  for  scientific  Investlgal With  th< 

made  residuarj    legatee  ol   the  estate  ol  James  Lick 
Inst  its  valuable  collection!  and  llbrarj  ^  well  a*  tin   . 

A  new  building,  to  coal   when  complete  over  hall 

Golden  Gate  Park  to  house  the  new  collection 

ADVERTISING  ASSOCIATION  "l    SAN   FRANCIS' 

See  I  ommerc  lal  <  trganizal  ions. 

AFFILIATED  COLLEGES  — 

See  Educational  institutions. 

ALCATRAZ  ISLAND 

Aliiiirn/   i  in  Spanish,  Pelican)   Island,  opposite  North    i 
just  within  the  Golden  Gate,  is  the  site  ol   tl 
is  known  throughout  the  armj   as  "Th<  tins  is  th< 

■  place  rrom  which,  it   is  claimed,  no  prisoner  •  ■■ 
extent,  and  is  safeguarded  bj   the  racing  tides  ol  thi   (i 
would  baffle  the  strongesl  swimmer.    With  its  llghthou 

it  has  a  most  romantic  aspect   t man)   points  on  ll 

at  present  confined  there,  and  then 

to  be  turned  over  to  the   Department   ••!   Justice  and 

tentlary.    The  light  on   Ucatras.  is  one  "i  the  most  powerful  In  tl 

It  is  _'i  i  feet  above  mean  high  water  and  on 

ANGEL  ISLAND  — 

Received    its    name    from    the    Spaniards    in    it-'.     "Isia    d 

Angeles."    It  contains  about  acres,  belonging  to  Ihi 

has  on  its  northern  side  one  ol  the  best  equipped  quarantii 

slime   is   the  arm\    p^vt    Port    McDowell   and  on   the  eastern 

camp. 

ASSESSED  VALUES  — 

i  ..  i 

In,,,, 

menu  Pro| 


>,  ear 

Real 

I    •  ite 

1907 

189,800 

1008 

[009 

1910 

I'M  1 

1914 

1  

I'M  I 

I'M  1 

UO.H0U.5iH        104 

. 
I  15.11 

■ 

■ 

BAKER'S  BEA<  II 

Sniitti  p. nt  ol   west  shore  ol   Presidio  to  bluffs  north  ol   I 

BANKS  AND  FIN  \\«  I 

Both  the  cosmopolitan  charactei    and  tl 

in    its    hanks.      Here   are    British,    I'rrnch,    It 

Japi Qi    inclal    Institutions.      i  ■     In    this 

.17     hanks     With     nine     hi.iin  Ins.     Willi     li   I 

deposits    m|    Sovembet     19,    1914,    amounted    I 
and  tin    depositors  muni  hall   the  p   , 

l  he  aggregate  resources  ■  ■    lln 
than  tin    ii  Kg  I  rgntc  n  f  all  the  i 

latlon,  San  Francisco  stands  i   rvi 

lis,, nices    ol      ill    her    national    hanks,    si 

being  e\, . ,  rli  tl  in  tins  i .  i»pi .  t  onl)   l»j 

Pittsbui  g.      M  this  w  rlting  i 

than  equalled  the  ,  onihit 

t  omparath  e  cleat  lugs  ol  thi 

Portland 

tie 

i    is    tngelea 

San    li  .in.  i-  a 

(  learlngs  for   IS1  i  Ihus  I 

center    w  esl    ol     I 

i  lu    mid,  i  w  rlting  p 
..  as  one  si,,  cess 
d<  \  elopmenl    cnterprisi  -    w  It 


?1"    £&'li, 
f_^A  "Hi 

r-^S-  1 115  J 

ir 

um  m^  —    i 

-m  H  -a  9  mm 

jllflt   -«■■» 

™    *t— •    «  Mil  II 


MUTUAL  SAVINGS  BANK 


ANGLO -CALIFORNIA  TRUST  COMPANY 


ANGLO  AND  LONDON  PARIS  NATIONAL  BANK 


SAN   FRANCISCO       THE   FINANCIAL,  COMMERCIAL 
INDUSTRIAL    Ml.  I  ROPOLIS  0/  the  PACIFK     COAS1 


BANKS  AND  FINANCE       Continued 

stood  third  in  the  1  nited  States  in  the  transa   I 

in  this  nspcct  onlj   bj   New   ^  <  ■  i  k  and  Baltin 
The  San    Francisco   Chapter  "i    the    \nn  • 

American   Bankers'  Association)    is   in  the  elcvcntl 

office  ;  1 1 1 « I  lihrarj  a<   1325  1  Irsl  National  Hank  liu 

Consonant  with  their  Qnancial  strength  and  the  npi 

tion  of  their  old  buildings,  the  downtown  1 

beautiful!}    housed.     Everj    visitor  sh.,.ii,i   n 

l<»)k  in  upon  them  when  passing,  for  thej   const  It 

of  the  rebuilt  city, 
A  mi  nic  1  \   \  1  r/OA  1/   B  1  \/>  OF  S  1  \  Pfl  1  VI  ISi  0       Mi 

fornia  ;ni<l  Leidesdorfl  streets. 
ANGLO  AND  LONDON  PARIS    NATIONAL  BANR        M  tl 

streets,    is    ■    u|    the   city's    gems    o!     architecture, 

tii'ul  composition,  both  In  proportions  and  rmbelllshn  1 
ANGLO  CALIFORNIA    FRUS7   COMPANY        Market  and   S 
BANK   OF  BRITISH    VORTR    \MERU   i        Batti 

head  office  of  this  hank  is  at  Montreal,  and  thi   court 
BANE  OF  CALIFORNIA        Foremost  historically,  In  tl 

Hank    hi    California,    National    Association,    at    Call  To  1 

institution  was  founded  In  1864  bj   William  '  .  Balsl 

years  was  tin    must  active  factor  In  the  financing 

along    the    famous    Comstock    lode    In    Nevada.       I  in     bmili 

situation  In  the  citj  during  the  <  omstock  mining  ila\s  ol  thi 

ami  is  today  the  leading  Qnancial  Institution  "t  thi   West.     1 

nearlj   si\i>   millions,     rhe  building  is  Imposing  and  beautiful. 
BANK  OF  IT  A  LI        \t  Montgomery   and  Claj   streets      Rii   bu 

strictly  Italian  in  feeling,  with  an  Interior  Bnlshed  In  Sieui 

a  branch  al  Mason  and  Market  streets,  m  the  heart  ■■!  II 
CALIFORNIA  SAVINGS    IND  LOAN  SOCIETY        B01  Vat 
CANADIAN  BAA  K  OF  COMMERCl         \i  California  and  L* 

ol  the  Canadian  Bank  "t  1  nerce  ol    roronto. 

CANTON  BANK        \  i  hinese  Institution,  is  al 
COLUMBUS  SAVINGS    IND  LOAA  SOCIi  T\        700  Montj 
CROCKER  \  l  r/OA  1/   BANR  OF  SAN  FRASCISi 

is  particular!}   One.     It  survived  the  Ore,  structural!)   unharmed,  but  I 

burned  out  and  had  to  be  renew  ed. 
DONOHOE,  hill)    BANKING  COMPAN\        Montgoi  Sutler. 

I  ins  I   FEDERAL    I  in  SJ   COMPANY        Pos1  and  Montgoi 
FIRS7    \  I  r/OA  1/    BAA' A  OF  SAA  FRAN(  ISi  0       M 

national    hank    in   California,      its    beautiful    building 

Masonic  Temple, 
1  l;i  VCH  BANR  OF  SAVINGS        \t  108  Sutter  stt 

the  largest  I  rench  savings  hank  outside        1 
FJ  GAZl    BANi   1     /  OPOl   1/./     OPl  RAI A    IT  ALIAS A 

Columbus 'avenue.      I  in-    building    is    mix    hand 

Grecian  marble. 
/./  /;  V  1  \   s  1  \  im.s    1  \  1 1  1  a  1  \   \m  11  1  )        \i 

ami  Kearny.     One  ol  the  city's  Important  savings  mst,' 

tlon  scheme,  In  dim  gold  and  old  Ivor)  tones,  is  \ 
UIBERNIA    SAVINGS    iND  LOAS    SOCIETY         l  in- 
substantial   orguuizal s    engaged    In    the    - 

feature  "t  the  exterior  is  the  dome  surmounting  Ihr  Mi  VllUti 

which  is  "i   handsome  design  anil  is  .••\.:..t   nltl 

■  it   its  single  storj   is  iimst  beautiful  and 
BONG  KONG    iND  s  /  /  i  s  / .  /  /  » /  I;  WhIM.  CORPORATIO> 
HUMBOLDT  SAVINGS  BANK        Occupies  Its  own  bul    1 

m  course  ol  erection  at  the  t  inn    ol  tin    ' 

at    ,  83   Mai  ket  strcel       1  arthi  1    up   Mai ' 

Jones,  is  tin 
INTERNATIONAL    BANKING  i  ORPOH  I  TION  —  In  Ihr 

Montgomei  >    streets,   is   tin    San    l 

w  hlch    it    has   main    Ol  ll  "l.,l   I  Olll  •  •  I 
I  I   \  I  I  \  \       I  <//  /,'/«     IN     /.'  I  \  /<  \t     M 

building  in  Italian  1 1  naissam  e  slyli        ■ 

ami    tallest    monnlltllil     <  -Inn 

the  coasl  "I    tin    Bam  n  .li   Nap 
UARINl     l  in  s  l    IND  SAVINGS  BANR 

mi  n,   wiiii    nasi  COMPANY    in/'  UERi   in////    ni 
i  isi  a       ii..     pj  itlful   build 

i . ■  1 1 ■  I . ■  sti , ,  i.   iii  ,i    Montgonu 

MERCHANTS    S'ATIOSAI    BASR         tl 

i      ,,,,-,  |)   thi    nn  .  si.  i  n  M 

VISSIOS    B  i  n  K         \t   six!-  •  nth 

streets. 

ill  1 1   i  /    SAVINGS  BASR 

81 


SAN    FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC  COAST 


BANKS  AND  FINANCE-     Continued 

/■  W  1FH     S3   I  //  S   SAVINGS   AND   IO\\    SIX  II   I  )  550   California   street. 

POfl  TUGUES1     I  w/  R/C  i  \   BANE  OF  S  l  V  FRANCISCO  -  -  Front  and  Commercial  streets. 

siW\(,w  V/OA  /:  I  \  /»  IND  TRVS1  COMPANY  Grant  avenue  and  O'Farrell  street.  The 
pediment  was  designed  l>\  llaig  Patigian.  Notice  the  bronze  doors,  designed  by  Arthur 
Mathews,  their  panels  representing  the  Indian,  the  Spaniard,  the  American  and  the 
spirit  "i  the  new  San  Francisco.  The  reception  room  of  the  safe  deposit  department 
is  decorated  with  a  mural  painting  of  St.  Francis,  also  by  Mathews. 

s/    [BOARD   N  ITIONAL  BANK-     Market  and  Steuart  streets. 

SECURITY    SAVINGS  BANE       316  Montgomery. 

SWISS-AMERICAI*   BANE        12  Sansome  street. 

I  \l<>\  I  in  SI  COMPANY  OF  m\  FRANCISCO  -Formerly  occupied  the  location  of  the 
Wells  Fargo  Nevada  National  Hank,  and  erected  its  present  building  at  Grant  avenue 
and   Market   street   alter  the  lire.      This   is  one  of  the  chief  ornaments  of  Market   street. 

WELLS  FARGO  ME1  IDA  NATIONAL  BANK  —  At  the  northeast  corner  of  Market  and 
Montgomery  streets,  is  another  historic  Institution  of  the  city,  one  of  its  elements, 
the  Nevada  Bank  having  been  founded  during  the  bonanza  days  of  the  great  Comstock 
operators,  Flood  &  O'Brien,  and  Mackaj  &  Fair.  It  Long  occupied  the  famous  old 
\e\ada  block  on  Montgomery  street  at  the  corner  of  Pine,  destroyed  by  the  fire  of  1900. 

YOKOHAMA  SPECIE  BANK  -Situated  at  the  corner  of  Sansome  and  Commercial  streets. 
Other  hanks  mixI   trust  companies  of  San   Francisco  are  the 

BANKING  STATISTICS  — 

BANE  CL1  [RINGS  San  Francisco  ranked  eighth  among  the  cities  of  the  United  States 
in  1914: 

1.  New    York    $83, 018,580, 016       5.   St.  Louis    ?3, 888,851,068 

2.  Chicago     15,692,828,996      6.   Kansas   City    3,015,810,567 

::.    Philadelphia     7,016,064,214       7.  Pittsburg     2,625,925.677 

).    Boston     -'17.095,070      8.   San   Francisco    2,516,004,816 

Total   hank  clearings  since  the  fire,  1906  to  1914  inclusive,  .$20,438,141,524. 
SAVINGS  BANKS     -Number   of  depositors   January   1,   1915,  approximately  275,000,  with 

deposits  of  {200,823,856. 
NATIONAL  n  I  VZS       January  1,  1915:  Resources,  $234,232,766.20;  deposits,  $159,876,253.89. 
COMMERCIAL  BANKS-  -November  19,  1915:    Resources,  •*67, 401,596.11;  deposits,  §41,829,- 

BOARD  OF  STATE  HARBOR  COMMISSIONERS  — 

The  present  Hoard  consists  of  the  following  commissioners:  John  Joseph  Dwyer, 
President;  Thomas  S.  Williams  and  John  H.  McCallum,  with  headcpjarters  at  the 
Ferry  Building,  San  Francisco. 

The  only  harbor  under  the  jurisdiction  of  the  Hoard  is  that  portion  of  the  waterfront 
from  the  Presidio  on  the  north  south  to  the  county  line  of  San  Mateo.  Unlike  most  of 
the  leading  seaports  of  the  United  States.  San  Francisco's  harbor  front  is  owned  and 
operated  by  the  public  The  title  of  the  property  is  in  the  State  of  California  and 
harbor  affairs  are  administered  by  a  board  of  three  commissioners,  appointed  by  the 
Governor  of  the  state  and  holding  office  during  his  pleasure. 

Under  the  law  the  harbor  must  be  self-supporting  and  all  cost  of  construction  and 
maintenance  and  operating  expenses  must  be  paid  out  of  harbor  receipts  derived  from 
charges  in  the  form  of  rents,  tolls,  dockage  and  wharfage  for  the  use  of  the  wharves; 
switching  charges  on  the  belt  railroad;  from  the  rental  privileges  of  the  seawall  lots 
and  "I  the  ferry  and  other  buildings  and  for  the  use  of  the  ferry  slips,  and  other  lesser 
sources.  The  principal  and  interest  of  all  bond  issues  must  also  he  paid  out  of  the 
Same  revenues.  San  Francisco  harbor  thus  pays  its  own  way,  not  a  dollar  coming 
nut  ni  tin-  pub! ic  treasury  or  taxes. 

I  In  advantage  of  public  ownership  to  the  shipping  interests  is  shown  by  the  pro- 
vision of  the  law  that  harhor  charges  must  not  exceed  the  amount  necessary  to  meet 
operating,  repair  and  construction  expenses  and  redeem  bond  issues.  Aliens  and 
citizens  are  treated  on  equal  terms.  It  is  estimated  that  if  the  present  San  Francisco 
harhor  front  and  facilities  were  owned  and  operated  by  private  interests.  they  would 
he  capitalized  at  leasl  for  the  sum  of  s250,000,000,  and  handsome  returns  could  easily 
in   made  on  thai  figure. 

II  is  universally  acknowledged  that  the  harhor  of  San  Francisco  is  in  its  natural 
aspects  one  of  the  Qnesl  in  the  world.  In  size  the  baj  of  San  Francisco,  with  its 
connecting   waterways,   is   one   of  the   largest    landlocked   bodies   of   water  anywhere. 

On  the  San  Francisco  side,  because  of  the  scouring  effects  of  the  tide,  the  water  is 
very  deep,  ranging  from  thirty-three  reel  at  the  seawall,  which  is  the  minimum  required 
to  he  maintained  l>>    law,  to  from  fifty  feet  to  seventy-five  feel  at   the  outer  ends  of 

the   piers. 

It  is  admirably  sheltered  against  severe  storms,  the  annual  damage  to  shipping  from 
this  source  being  hut  trilling;  its  extreme  tidal  range  is  only  ahout  eight  feet  and  the 
mean  less  than  live  feet;  it  offers  excellent  anchorage  over  an  immense  area  in  con- 
venient localities,  with  line  holding  ground,  and,  in  a  word,  it  is  ideal,  so  far  as 
natural   conditions  are  concerned. 

It  is  the  terminal  point  of  four  great  transcontinental  railroad  systems,  ami  has 
behind  it  and  directly  tributary  to  it  the  two  immense  valleys  Of  the  Sacramento  and 
San  Joaquin  rivers,  which  drain  much  more  than  half  the  productive  area  of  the 
extensive  State  of  <  alifornia.  Likewise,  the  coast  lines  north  anil  south  of  San  Fran- 
cisco are  intimately  connected  with  the  harhor  by  important  transportation  systems, 
steadily  ramifying  Into  much  new   territory. 

The    present    waterfront    line    of    San    Francisco    in    active   use    is   approximately   four 

82 


SAN    I  RAM  Is.  0        llll.    I  [NAM  IAI 
IND1  STR]  \l.    mi.  i  ROPOLIS 


BOARD  OF   si  \i  i.   ||  \i:i',,,|;   <  OMMISSIOM  RS       I 


mill  v    in 

1  111-    p 

will,  until     : 

BOARD  01     I  i:  \hl 


SAN    I  RANI  [SI  0        llll.   I  IWM  i\i..  ,  OMMl  l:-  IAJ 
INDUS!  RIAL    Ml.  rROPOLIS  0/  ti 


CALIFORNIA   Dl.\  EL0PM1  \  I    BOARD 
Office    lectur.  1    exhibit 

Markd  street.     «>,„  ,,  1,. .,,,  g    ,    : 

Here   in   probabl)    the   0n<  il  r    , 

mineral  state,  but  its  orchai  1 
•  ■il    wells,   quarries   and   crmrnl    p 

1912,  |26, mon       !      I 

rann   and   garden   produi  Is 

"'"Hi    al 1    ■  nnmiullx 

I'M  1.     Ami   for   size,  qua  I  ._,, 

the  exhibit  ol   Ihc  Devi  lopnirnl   H 

I  hi    "pi  01  essing"  >.i    frull     ••    I 
its  ripe  perfection  01  Iglnati  .1   in  > 
here,     l  be  result  "i  Ihelr  si  li  nl  If] 
1  hi    \\  ealth  and  >li\  ersltj   •■!   II 
their   finest   examples   ■■!    apples,    , 
■pricots,  melons,  grapi  1,   uul 
range,  >>\\  inn  to  the  mildness  •■!  Itu 
than  an)   other  stair  In  the  I  nli  1 

l  be  samples  arc  shown   In   lai 
alfalfa  plants  have  bi  1  n  thus  .  mbalnu 
the)   would  in  Hi.   Held. 

Tin'  object  near  the  •  nti  am  •     a  hl<  h  nol 
large   physical    relict    map   ol 
spreads  bef<  re  >  ou  all  the  1 
line  ami  all  the  Indentations. 

Tins  map  ma)   ■  nab  It   you  1 

xx  Mil    sr\  in    mill 

agricultural    land,  can   . 

for  their  sustenam  • 

other  rich  valleys  throughout  tin   s 

during  the  d«  adi    from   1900 

outnumbering  her  in  populal 

square  mile.     B<  Igium   has  ■ 

Illinois    100. 

I  he  I  ><\  elopment  Board  v> 

ami    s.nl    ami    ,  I  in 

ami  opportunll les  afforded   I  •■ 

publ  islus    an>  .       Its    annual    i  I  ; 

had  for  the  asking    In  addition  11 

ol   1  allfornia,  illustrated  with  lantrrn 

1   to   1  o"clo<  u  during  thi 

was  ." ;i  day.     About  Dfteen  counties  send 

their  1  liar 

rh<     I  nx  elopment    Boat  ■!    has    noth 
partial  and  dlsiuti 
tin   Held. 

(  HINATOWN 

Situated    l"  Iv 

is  a  city,  "i  and  1 

.  ..imii -> .      Di.  1 .    ran 

I  am  asi. 111    Mir  III  I    lissill  I ' 

ami  outlandish,  .■   I 
and 

sand   Oriental    !••    1 II 

ilxx  I'll  inn  among  '  1  1 

still   kept       11 
Held   in   tin    S| 
rani  intent  to  n 

..■HI     '  mixx 

cont im  ni 
almost    xx  h..i :  v 

tin. 
ginning    1 

smi 
X  ..1 

II11     \\       S 

MIX  1  st.  ,1     in     II 

tin    world      > 

1    mil  ..f  1  1 

mis 

■ 
mis 


ST  MARYS  CHUDCH 


FIRST  PfifSBYTEPIAN  01U&CH 


TEMPLE  ISPAEL 


^ 


r\ 


**'  a  P 


«t»r, 


hi  iSI  in 


??» 


ft   tf   -ags 


'  1  f       ■      « 


NAN    I  R  \\<  is.  0         Mil      I  l\  \\«  I  \l..   .  0MM1  R(  I  VI 
INDUSTRIAL  METROPOLIS  i  iCIFIl 


(Hi  RCHES    \M»  RELIGIOI  s  si  |:\|<  i  s 
i  i  e  churcbea  •  •!  San  I  i 
"'    s'"'    1  ranclsi  o   d    . 
liiil.-  creek  near  which 
pari  "I   ih.-  Foundation  ..i  ti,. 

In  lsis  ti,,    Rev,    I     Dw  Ight  li 
nit  was  appointed  chaplain  to  the  lair. 
bouse  "i  worship  In  (hi 
church,  throve  under   the  m 
I H     Bai  row  ■>. 

The  first  publ ic  •-•  hool  in  Sai    I 
Di  i  ember  L''..  1849,  bj  John  I 

Calvar)    Presbytci    - 
I     .n,  is    Hotel,   « ;is   ;i    s  it.il    rartoi      :.    tin 

\\  llluilll    A.    ScOtt, 

Such    nun    :is    Dr.     H 

uiiiv    Influent  ial  as  i  I  org)  m<  n.  I 

"Old    SI.    M.i.n-s-'   :is    it    is 

the  labors  .>t    Lrchblshop    Memany,  «  i 
that  ■  i   Padri   Junipei  o  si 

Ih.     s i    \.w    Jerusalem    Church      v 

itreeta,   is  an   architectural   ^,  m 

I  iii.imi-l  I.    tin     pi .  sent    '  :il\  .. 

hollc,    Hi-     I  list    l  Inn,  h    of    I  hi 

I'irst  Congregational,  and  the  m  w   I 

street  site  donated  bj   the  >  i  •■■  i-  •  i    family. 
Almost    all    leading   religious    d 

w ,,rsiu|i   iii   s:ui    I  rani  is,  ...  and   hi 

Dumber  "i  the  more  noted  church 
n.il- 1  is  i        l  nst    Baptist,   Junction    •■(    M 

Square  Baptist,  Post  street,  between  I  illmon 
CHRIS  1 1  \\        I  nst  i  hrlstlan,  Dul avi 

street,  between  Scott  and  Dlvlsadi 
CBRISTI  (  \      SC1ESCI        First    Churcl 

streets;  Second  Church,  2580  Miss it 

COSGREGATIOSAl        First    Congregational,    P 

tlonal,  Nineteenth  and  Dolores  streets      : 
HEBREW        remple  I  manu-1  I,  414  S 

el.    i  ongregat  Ion    Shi  i  it  li    Israel,    < 
iple,     <  ongregat  ion  lt<  Hi   1st  si 
li  l  in  i;  \  \        i  irsi     English     Luthi  ran,     • 

l  vangellcal  I  utheran  St.  Paul's  <  hun  h,  I  ddj 
METHOD1S1    BPISCOPAl        I    rst    Methodist  F.p 

III  thod isi    I  ins,  ..),., |,  o'Fam  i    I 

i  plsi  opal,    California    and    Bi     lei     , 

iirst  and  <  app  streets. 
/■/(/  s/,  i  1 1  in  \\       i  ah  ai 

terlan,  Van   s,  ss   .,\ .  ; 

boulevard    i  i  ji  st  :i\,  nui 

i  app  stn 
PROTl  s/  i  \  /   /  nst  «//■  i  / 

(  hurch,    ltu-.li   and   Gough   si 

Claj  sti  ■ 
ROM  I  \    '   i  ///"/  /'         si     Mai ) 

Mai 

m,,i,   Dolon  s      st     i 

street,     i  ins  •  :is  tin  oi  Iglnal 

.ni,l    l  ourth.     s'     Ignal  us,    H 
i.      st,   Bonll aci 

Mission  Doloi ,  s  i  hun  h,  Slsti 

i  \  .  |.,  i  \.  .  . 

churt  h  has  II 

M\  /  /'/  SBORGl  (  \ 

l  i;l\l  n    (   \  l  III  IU<  M     <>i     l  III     ll<>l  I  <  n 

i  In 

VNITARIAS        First  Ui 
iii,    toml 
eloquent  •    In  1 

I     III, ,11  I      -Till 

farther  down  ■ 

/  \i  1 1  i<    /•/;/  S7I1  //  BI  \  \ 

(   hill,  h.    ' 

cm   01  I  DOORS 

Ih. 

n\\  Immlng  and 

\  his 
Day,  a  Trtrnuini  o| 


■ 


SAN    FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC  COAST 


CITS    OUTDOORS       Continued 

ride  in  Golden  Gate  Park  or  the  Presidio  the  year  round,  a  walk  up  Twin  Peaks,  ;i 
ramble  down  the  Peninsula,  ;i  Irip  on  the  Bay,  hunting  and  fishing  in  Marin  County, 
so  various  are  the  forms  of  sport  that  the  <it\  and  bay  section  arc  a  veritable  Pleasure 
t  and. 

I  tic   ocean   beach   on   a    Sundaj    or   holiday   attracts   thousands    who   picnic    in   the 

sands,   while   the  children,   and   e\  en   the  grown-ups,   wade   in   the   water.      The   open   air 

hand  concerts  held  iii  Golden  (late  Park  on  Sundays  in  front  of  the  Band  stand  the 
\ear  round,  with  the  crowds  (tanked  bj  the  waving  palms  and  the  wisteria  in 
bloom,  are  a  living  testimonial  to  the  pleasure  of  living  here.  Farther  on  at  the 
Stadium  a  trotting  race  may  he  found  in  progress  on  the  outer  track,  a  bicycle  race 
on  the  inner  track  and  a  baseball  and  soccer  game  on  the  i^rass  in  the  center.  The 
public  tennis  courts  ;ue  lilerallv  ali\e  with  amateurs,  many  of  whom  have  In-come 
world  famous.  Such  is  the  life  that  the  San  Franciscan  lives  in  the  open  air  of  our 
winterless  and  summerless  climate. 

sau  Francisco  has  one  nf  the  Quest  of  climates,  with  comfortable  and  invigorating 
temperatures  the  year  round.  Stimulating  sea  breezes  blow  during  the  summer  after- 
noons, insuring  against  heat,  and  usually  falling  in  the  evening,  so  thai  the  nights  are 

extremelj  pleasanl  a  condition  that  does  a  great  deal  to  promote  outdoor  night  lite 
ni  the  city.  Fogs  are  frequent,  hut  instead  of  being  dreaded  arc  regarded  as  a  cosmetic. 
The    Sau     Francisco    complexion     is    celebrated.       One    never    sutlers     here    either    from 

heat  or  cold,  and  everj  night  is  cool  enough  to  enable  one  to  sleep  comfortably  under 
blankets. 

is  sau  Francisco's  greatest  asset.  It  keeps  the  city  cool  in  summer  ami  thus 
makes  for  health;  also  it  keeps  the  city  warm  in  winter,  preventing  trusts  and  moder- 
ating the  fall  ill  temperature.  San  Franciscans  love  their  fog.  When  away  from  the 
city  they  pine  for  it,  and  especially  during  summer.  Not  without  reason  do  they 
appreciate  the  cooling  effect  of  the  fog.  It  enables  one  to  sleep  through  summer 
nights  and  rise  refreshed  and  ready  for  the  day's  requirements." 

CIVIC  CENTER  — 

San  Francisco  lias  voted  $8,800,000  of  bonds  through  which  to  provide  lands  for  and 
help  create  one  of  the  imllest  groups  of  public  buildings  in  America,  'flic  total  cost. 
including  land  and  construction,  will  come  lo  about  $16,800,000.  The  site  lies  in  a 
general  easterly  direction  from  Van  Ness  avenue  between  McAllister  and  Grove 
streets  to  Hyde,  and  the  meridian  line  of  it,  which  is  Fulton  street,  extends  a 
block  beyond,  to  the  .junction  of  Fulton  and  Market.  The  two  blocks  between 
Polk  ami  Larkin,  running  from  drove  to  McAllister,  form  a  beautiful  plaza,  with 
ornamental  shruhherv  and  band  stand,  and  about  it  will  be  the  Municipal  Auditorium. 
Slate  Building,  Public  Library  and  City  Hall.  The  architects  for  the  Civic  Center  are 
John  Galen  Howard.  Fred  Meyers  and  John  Reid,  Jr.  Naturally  the  dominant  feature 
of  such  a  group  will  be  the  Cil\  Hall,  plans  for  which  were  awarded  after  open  com- 
petition to  the  local  linn  of  architects,  Bakewell  A:  Brown. 

The    City    Hall    occupies    two    blocks    between    Grove   and    McAllister   streets,    with   one 

facade  on   the   line  of   Polk   streel   and  another  on   Van   Ness   avenue.     The   building 

covers  an  area  of  iSIIII  feet  by  100  feet.  The  main  two  facades  are  composed  each  of  a 
central  pediment  carried  mi  columns  of  the  Doric  order.  Hanked  by  smaller  Doric 
colonnades.      The   main   architectural    feature  of  the   building   is   an    immense   dome,    1111 

feet   iii  diameter,  or  t  t  feet  less  than  the  dome  of  the  capitol  at  Washington,  and  300 

feet    high,   or    III    feet    higher    than    the    Capitol    dome.      The    structure    cost,    complete    and 

equipped,  about   $4,000,000.     It  ac< modates  the  various  unices  of  the  consolidated 

city   and   county   of   San    Francisco. 

(Mil-    HOUSE  AM)  SEAL  ROCKS  — 

This  vicinity  is  world-renowned,  it  has  been  the  scene  id'  the  lavish  gaieties  of  San 
Franciscans  for  generations.  To  this  place  in  the  past  they  drove  their  pairs  of 
bl led  trotters,  and   here  they  come  today   with   the  high-powered  autos. 

From  the  porch  of  (he  (.lilt  House,  Presidents  ('.rant,  Hayes,  Harrison  and  MeKinlcv 
have  watched  Ihe  sea  lions  lolling  on  the  rocks.  The  present  Cliff  House  is  the  third 
of  a  series,  and  was  erected  in  1909,  its  immediate  predecessor  having  burned  in  1907, 
the  year  after  the  greal   lire.      There  is  a  X I  cafe  here,   from   whose  windows  one  looks 

out.  while  dining,  mi  the  glories  of  beach  ami  surf,  ocean  and  mountains  and  rock] 

coast.  Across  300  feel  of  swirling  tide  are  those  curious  marine  objects,  the  Seal  Rocks, 
and  their  colonies  of  nulls  and  cormorants;  of  sea  linns,  whose  huge,  obese  bodies. 
dragged  laborious!]  about  the  crags,  their  small  and  winsome  dogs1  heads  reared  with 
the  grace  of  a  line  setter,  their  handsome  coats  "I  brown,  drying  in  the  sun  or  soaked 
and  gleaming  with  the  spray,  make  a  fascinating  combination  of  grace  and  awkward- 
ness, of  ugliness  and  beauty,  which  mans    watch  by  the  hour. 

CL1  BS  ami  SOCIETIES  — 

In  San  Francisco,  club  life  presents  extraordinary  distinction  and  charm  Out  of  ihe 
marked  Individuality  of  the  people  ami  their  socially  stimulating  environment  have 
arisen  such  famous  organizations  as  the  Bohemian  I  lub,  the  Family  Club  ihe  Com- 
monwealth Club,  the  Olympic  I  lub  and  others.  We  came. I  present'  a  complete  club 
directory,  but  maj  mention  some  of  the  mosl  distinctive  and  interesting,  as  indicative 
nt   tin'  social  condition  of  the  community. 

\l  l  l  \\i  l  ri:  t  \i  list  Headquarters  tor  San  Francisco  are  at  ins  Sutter  street.  French- 
American  bank  building. 

ARGOh   U    I    CI  I  I:  \t    I'ost    and    Powell.      Another   well-known   Jewish   club,    which   grew 

out  of  the  San  Franc isco  Verein,  organized  in  is:,:1,  one  of  the  earliest  social  organiza- 
tions in  the  community,  it  not  tin-  "blest. 

l;\l;  \ssn,i\ii,,\  ,,/••  s  t  \  FRANCISCO  Extends  a  welcome  to  visiting  attorneys  that 
may  wish  to  consult   its  law    library,  ninth   door  of  tin-   Pacific  building,  Market  and 

FOUrth    Streets. 

88 


SAN    FRANCISCO        HIE  FINANCIAL,  COMMEKCIAI 
INDUSTRIAL    METROPOLIS 


CI. I  BS    Wl'  SO(  II   I  II  s      <     ■:■ 

BOHl  Ml  I  \  i  l  i  B 

cisco,  and  one  ••!  Ihi 

with  Bculptun 

spirit,  Illustrative         i 

/.it  Ion,    rlucl  1 1 1 i4     M  illl     llii 

Ill-Ill   III  .1  II    .,11  III.  I  lit  Ji 

Monte  Rio,  in  S mn  I 

conclude!  with  .1  .1 

tide,   i 

grove-pla)  "i  Ihe  liolirmlitn  ■  lull 
thing  ;is  might  ho>  • 

L\    .i  in.  nil.,  i  .  .iii.I   !  h.    i! 

none  bul  nicmbi  rs  n     i 

1:1  II  DISC     'I'  IDES    '  '"  VI  // 
..M.l    Guerrero      li 
Building   i  i . i  •  I  •  .  ' 

CALIFORNIA   CAMERA   CLUB        \\ 

.m.l  in  mi  nil. •  rship  is  Ihi 
in  .I  onl)  .i  i  •  ii.ii/\  ..us  i 
tin-  amateur,   w  hi  i 

I  here  is  ;i  Dne  llbi 

COH  UBl  \    P  \RK    BO)  S     CI     B  Ol     S\4.t 
si  tteenth  and  Se^  rnteenth.     M 
no  dues,   bul   i"  i  sonal 
upon  "  "in  1 1 1 1 1 . 1 1 1 \   lo  assist   in 
athletic    and    drnn 
tours  !■>  '  \  erj   rll>   and  town 
as  far  as  New   York, 

tin  in    h;i\  e    l.ili  l\    n  tin  III    : 

on  sir   1 1 ..is  Upton's 

COMMOS  u  /   \LTIl  CLUB  OF  CALIFORNIA 

\  Igorous    organizal Ion    i > •  i    ti 

munit)    « itii   .i   view    t 

consull   Ihe  club's  growing      i 

the  rooms,  «  hlch  a 

the)  ■  lose  -i'  3  p.  m. 
CONCORDIA  CLUB        M 

II  is  located  .it   t  i  ■ 
/   I  Mil  Y  CLUB  —  I 

the  countr)   feature  to  II 

red* i  gi  >v< 

0L\  Mm    CLUB        il 

i mn  in  tin    world  I 

the  oldest  •  •  1 1 •  i •  lb 
..lit    b)    Ihe   i.' 
building  was  laid   Ma)    l 
life  th<    *  II)  hi 

thirties,  through      r   II 

.■ml  sin  h  i ■ its'  Imrli    .'i 

I,       \  I     I  S  ■  •  I  1  .      || 

Ralph  R 

:  ge     It'll  III' 
I     lllt.it     S1 

Hi.    in.. si    b<  nutlfull)    i  n 

pi  nl.   ..i  Hi.    |. 

It. ih. hi   i 
I 

other  in-  us  ..il 
ORDl  N  "/    BAILV  II    CONDUi   TOl 
/•  |l  ll  a      \l  Ho   CLUB        i 

M1lh.il.. I     Willi     II" 

PACIFU     COAST  I  DM  Ml  BCIAI     TRAVEl 
PACIFH     UNION  CLUl 

I    nil 

/  /;/  ss 
.lui 

urn 

SAN  FRANCISCO-ALASKA  ( 
s  i  \    FRANCISCO    l«l 
SAN    FRANC! I/.1/J 

I  \ 

b adtng  i 
SAN  FRANCISCO  COMM 


1   % 


FAMILY  CLUB 


SAN    FRANCISCO       THE   FINANCIAL,  COMMER*  IAL  and 
[NDUSTRIAL   METROPOLIS  of  the  PACIFIC  COAS1 


CLUBS  AND  SOCIETIES       Continued 

SAN  FRANCISCO  LABOR  COUNCIL       Meets  everj    i  ,,,..  ;,i  tl>.    i 

316  Fourteenth  street. 

SAN     FRANCISCO     TURN      VEREIS         \t    2450    Sutter    street,    between     D 
Broderick. 

SIERRA   CLUB-     This   is  one  of  the  celebrated  mount 

the  second   largest   in  the   United   States.     Its  mi icr  outings,   whirl 

from  almost  everj  country  to  Join,  offer  facilities  for  mountain  climb 
Ikiii  thai  would  In-  unattainable  wlthoul  it.     The  club  lias  its  clly 
Mills   building,   room    102,   where   members  and   visit.., 

collection   of   I ks.   maps,   exchanges   and   photographs   rclntiiif 

and  it  also  has  mountain  headquarters,  during  the  months  ol    i 

!■'■  Conte   Memorial   Lodge,   Yos t<    Valley,   when    there  is  a  111 

room   and    where  the  club's   custodian   is   always  prepared   t..   furnish 
about  the  mountains. 

SOUTHERN  CLUB       lias  a  beautiful  home  at  California  and  .1 s  streets  will 

portico  suggesting  colonial  i a  and  the  "days  before  th<    •■• 

TRANSPORTATION   CLUB   OF   si\    FRANCISCO       Mezzai Door   of   thi 

UNIVERSITY  CLUB       Corner   of   Powell   and    California    streets.      More   mi 
city's  younger  universitj    men  can   be  round   lure  than  a) 
in   San   Francisco. 

UNIVERSITY    OF  CALIFORNIA   CLUB       Its  home  la  at  212  Stockton  si 
UNION   LEAGUE  CLUB       Handsomelj    appointed   quarters  al    U 
O'Farrell  streets,  in  the  downtown  section. 

Besides  these  there  are  the    \rm\   ami  Navj   Club,  al   126  Posl  street,  the  I 
Anglers'   Association,   al    15    Stockton   street,   the   Concatenated   O 
the  Fife  building,  with  a   membership  ai ig  the  lumbermen,  and  mo 

COMMERC1  \l.  ORGANIZATIONS  — 

ADVERTISING    ISSOCIATIOli  01    SAN  FRANCISCO       On  January  6,  1 ,  William  V> 

Mead.   Sam  Johnston,  Rollin  Ayres,  ired   Wheeler,   I  ".I   Scotford 

Cooper,  Louis   Eionig  and  a   few   other  men  of  like   ilk.  gathered  al   the   Pi 

and   laid  the  foundation  stones  ol   the  Advertising    Association  ol   San    i 

the  organization  meeting,  called  for  Januarj    13th  ol   the  san 

hi   San   Francisco's  need   for  advertising  enlightenment   was  opened  bj    th<    I 

advertising  men  present,     in  this  rani  everj  advertising  interest 

Local  ami  national,  was  represented  and  Ihe  organization  was  launched  In  the  int< 

of  all.     William  W lhead  was  elected  the  flrsl  president.     From  tins  small 

through  the  vicissitudes  of  live  years  ol   development  Ihe  ■ 

a  membership  of  250,  and  stands  todaj   the  chiel  expom  nl  ol   absolute  trutl 

Using,  cleanliness  in  newspaper  advertising  columns,  betterment 

enlightenment  of  advertising  men.  education  ol   advertising  pub 

the  psychical  mathematics  of  the  advertising  business.     Affiliation  with  tin 

advertising  clubs  of  the  world  was  made  i \^  the  flrsl  clubs   in    tmrrira      \\ 

Woodhead,  the  flrsl  president  of  the  San   I  rancisco  Association,  was  i 
national  organization   for  two  years,  during  1914  and   I 
tion    are:      President,    Louis    \.    '  olton;    flrsl    vice-president,    Granl    (! 
vice-president,   Frank   n.    Vbbott  Jr.,  secretary-trcasuri 

BOARD   OF    TRADl    OF    m\    FRANCISCO       Located   at    144    Marl 
Organized  to  carrj   out  certain  business  objects  ol   its  meml 

l><>\\\    li>\\\     [SSOClATlOlr        Formed   to  consider  all   subjects  tending  I 
welfare  of  this  communitj   and  especiallj   of  the  retail  shopping 
street   and   sidewalk   obstructions.      I"   improve   the   streets 

meiils    and    sidewalks    and    bj     Street    sprinkling   and    sweeplll| 

relating    to    the    protect! i    pedestrians    where    buildings 

secure    the    lust     possible    lire    protection    and    the    most     •  .  1 1 1 1 1 . 1 1  •  I  •      Insui 

secure   efficient   police   protection   and   to   regulate   str< 

Niters,     had    cheek     passers    and    oilier    violators    o|     Ihe    law.         I 

lighting  system.     There  are  two  classes   ol    membersh 
associate,   -i.iiii  per  month  or   |10  per  year.     Officers  cons 
president,    second    vice  president,    secretary.       Board    consists     ■'■     .' !    •! 
an  attornej  and  engineer,  and  has  225  active  meml 
HOM1     INDUSTRY     LEAGUl     OF  CALIFORNIA        Headqua 
Francisco,     lias  a   membership  ol    758  .ntiv.    met 
The  objects  of  ihis  league  ari       I  ii  si      i..  encouragi   lh< 
distribution  and  consumption  ol   California  made  products 
roster  and   promote  ;iil    industries  ol    the   Mat'    that 
development    of  the   natural    resources   "t    California.      Mm. I      I 
of  this   siate   to  aid   in  all   possible   ways   in   the  developn 
Industries  thai  maj  be  successful!}  carried  on  on  this  ,  ...ist.  p.  1 1 > .   .  n.i  1 1,., : 
may  become  not  onlj   the  gatewaj   to  foreign 

industries    are   carried    on    to   SUCCCSSful    issue.       I   OUrth         I 

civic,  conniierci.il.   merchants,   manufacturers,   pi 

improvement  dubs  t,.  ihe  end  ol   encouraging  thi    | 

Industry.     Anj   individual.  Arm  ot 

iiifi  properiv    in  (  alifornia  oi    interested   in  Ihe  w< 

for  either  active  or  auxiliarv   membership      Ihe  month l.i  dm 

tion    includes   in   its   membership   Arms  and    individuals   Ihmugl 

of   California,   and   is  State-wide   In    Its 

Which   Supports   \on"     imv    California   mad 

equal. 

91 


SAN  FRANCISCO  — THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 

COMMERCIAL  ORGANIZATIONS  —  Continued 

MERCHANTS  EXCHANGE  —  This  organization  formerly  regulated  the  shipping,  grain, 
beans,  hay  and  allied  trades  of  San  Francisco,  but  its  commercial  functions  were 
assumed  by  the  San  Francisco  Chamber  of  Commerce  when  that  body  was  formed 
by  the  consolidation  of  the  Merchants  Association,  the  Merchants  Exchange,  the 
Down  Town  Association  and  the  old  Chamber  of  Commerce  of  San  Francisco,  in  1911. 
The  Exchange  now  exists  as  a  holding  body  for  the  Merchants  Exchange  building. 

ROTARY  CI. I'll  OF  SAN  FRANCISCO  —  The  Rotary  Club  of  San  Francisco  has  a  mem- 
bership of  about  250  men.  Its  objects  are:  To  promote  the  recognition  of  the 
worthiness  of  all  legitimate  occupations,  and  to  dignify  each  member's  occupation 
as  affording  him  an  opportunity  to  serve  society.  To  encourage  high  ethical  stand- 
ards in  business  and  professions  and  to  promote  the  business  welfare  of  its  members. 
To  increase  the  efficiency  of  each  member  by  the  exchange  of  ideas  and  business 
standards.  To  promote  the  scientizing  of  acquaintance  as  an  opportunity  for  service 
and  an  aid  to  success.  To  quicken  the  intorest  of  each  member  in  the  public  welfare 
and  to  co-operate  with  others  in  civic  development.  The  San  Francisco  Rotary  Club 
is  affiliated  with  the  International  Association  of  Rotary  Clubs,  this  organization 
comprising  some  175  rotary  clubs  throughout  the  world.  The  first  rotary  club  was 
formed  in  Chicago,  111.,  on  February  23,  1905.  The  San  Francisco  Rotary  Club  was 
the  second  rotary  club  ever  organized  and  was  organized  in  San  Francisco  in  Novem- 
ber, 1908.  Since  that  time  the  spirit  of  rotary  has  been  general  throughout  the  English 
speaking  world  and  now  numbers  some  20,000  members.  The  convention  of  the 
International  Association  will  be  held  in  San  Francisco  in  July  of  this  year. 

SAN  FRANCISCO  CHAMRER  OF  COMMERCE —  The  offices  of  the  Chamber  are  on  the 
thirteenth  floor  of  the  Merchants  Exchange  building,  431  California  street.  Infor- 
mation about  San  Francisco  can  be  obtained  here  during  business  hours.  The  organi- 
zation has  over  3,000  members,  is  the  third  largest  in  the  country,  and  the  largest 
body  of  its  kind  in  the  United  States  in  proportion  to  the  size  of  the  city  it  represents. 
It  is  the  one  central  civic  and  commercial  organization  of  San  Francisco,  and  is 
continuously  at  work  through  its  board  of  directors  and  its  forty  standing  and  special 
committees  to  promote  the  trade  and  welfare  of  the  community. 

The  Chamber  maintains  an  active  traffic  bureau,  a  foreign  trade  department,  a  pub- 
licity department,  an  information  and  statistical  department,  an  industrial  department 
where  complete  and  authentic  data  may  be  obtained  relative  to  manufacturing  in 
San  Francisco  and  vicinity,  a  reception  committee,  a  grain  inspection  department, 
which  grades  the  quality  of  grain  bought  and  sold  on  the  exchange  and  passes  on  the 
regularity  of  the  warehouses  in  which  it  is  stored;  arbitration  and  appeals  committees, 
before  which  commercial  arbitrations  are  conducted;  a  domestic  trade  extension  com- 
mittee that  has  conducted  jobbers'  and  manufacturers'  excursions  all  over  California, 
and  a  national  and  foreign  affairs  committee  that  watches  the  trend  of  national  legis- 
lation and  diplomacy  and  its  possible  effect  on  San  Francisco,  through  a  special 
Washington  bureau.  Few  cities  have  such  concentration  of  civic  and  commercial 
function  as  this. 

The  Exchange  Hall  of  the  Chamber  of  Commerce  is  on  the  ground  floor  of  the  Mer- 
chants Exchange  building  at  431  California  street,  and  here  is  conducted  the  trade 
of  the  city,  and  of  the  state  as  well,  in  barley,  oats,  wheat,  flour  and  beans.  The 
transactions  take  place  at  two  sessions  a  day;  from  11  to  11:30  a.  m.  and  2  to  2:30  p.  m. 
This  is  the  hall  in  which,  on  April  28,  1910,  amid  a  tumult  of  enthusiasm  such  as  few 
cities  have  ever  witnessed,  citizens  of  San  Francisco  subscribed  over  four  million 
dollars    in    less    than   two   hours   as    a   beginning   for   the   Panama- Pacific   Exposition. 

SAN  FRANCISCO  REAL  ESTATE  ROARD  —  Organized  February  16,  1915.  As  stated  in 
the  by-laws,  the  objects  of  the  organization  shall  be  to  secure  for  its  members  (both 
active  and  associate)  the  benefits  of  united  effort  and  concentrated  power,  to  the  end 
that  the  evils  and  annoyances  connected  with  the  transaction  of  the  business  of  deal- 
ing in  real  estate  shall  be  abated;  to  promote  good  fellowship  and  fair  dealing;  to 
protect  its  members  and  the  public  from  irresponsible,  unprincipled  and  dishonest 
dealers;  to  promote  the  enactment  of  legislation  for  the  protection  of  property  rights 
and  interests  generally,  and  for  the  safeguarding  of  all  transactions  and  dealings 
pertaining  thereto;  to  secure  proper  legislation  governing  the  transactions  of  real 
estate  brokers  generally;  to  appraise  real  estate  for  any  and  all  purposes  for  which 
appraisements  may  be  desired,  and  to  do  any  and  all  things  else  in  its  power  which 
may  tend  to  upbuild  the  stability  and  the  dignity  of  the  business  of  dealing  in  real 
estate. 

In  1910  the  Real  Estate  Board  established  the  Appraisement  Department  for  the 
purpose  of  making  valuations  upon  real  property  in  San  Francisco.  Each  valuation 
is  passed  upon  by  fifteen  leading  brokers,  and  this  department  is  today  recognized 
as  an  authority.  The  membership  of  the  board  has  largely  increased  since  its  organi- 
zation until  today  it  has  on  its  roll  the  names  of  practically  every  real  estate  broker 
in  San  Francisco.  The  Hoard  has  succeeded  through  the  co-operation  of  its  members 
in  establishing  itself  as  a  power  in  the  community,  and  is  recognized  as  one  of  the 
leading  organizations  of  San  Francisco.  It  is  at  all  times  alive  to  the  interests  of  the 
property  owner  and  taxpayer  and  through  its  efforts  in  many  instances  large  sums 
of  money  were  saved  to  the  taxpayers,  not  only  in  this  city  but  in  the  entire  State  of 
California.  Through  the  Board  a  higher  standard  of  dealing  has  been  established 
among  the  brokers,  and  the  efforts  of  the  organization  are  constantly  directed  toward 
the  protection  of  the  public  from  dishonest  and  unscrupulous  brokers. 

The  officers  for  1914-15  are:  O.  C.  Stine,  president;  (to  be  elected),  second  vice- 
president;  T.  L.  Henderson,  treasurer.  Board  of  directors — Samuel  G.  Buckbee,  T.  L. 
Henderson,  R.  G.  Hooker,  Emile  E.  Kahn,  A.  E.  Ladewig,  Louis  H.  Mooser,  R.  C. 
Newell,  Chas.  T.  Spader,  O.  C.  Stine,  Guy  T.  Wayman,  and  William  Rasil  White. 
Leslie  E.  Burke,  attorney  and  secretary. 

SAN  FRANCISCO  STOCK  AND  BOND  FXCIIANGE  —  Since  its  foundation  in  1882,  the  San 
Francisco   Stock   and   Bond   Exchange  has   made   wonderful    strides    in   developing   the 

i)2 


SAN   FRANCISCO       THE   I  IN  \.\<  l\i..  <  OMMER(  I  \l 
INDUSTRIAL   METROPOLIS  of  the  PACI1  l<     I  OAST 


COMMERCIAL  ORGANIZATIONS       Continued 

mediums   ror  conducting  business  transactions  nol  onlj    ror  the  commui 

Francisco  bul  ror  the  whole  State  ol  California.     It  consists  ..I  II. 

hers  and j  eleven   bank  members,   man)    ol    whom    have   close   connect 

York,  Chicago  and  all  the  Important  Eastern  markets  tor  stocks  iiihI  l-  ..-i-      h 

ol   the  institution  is  to  gel   Into  close  touch  with  all  th. 

to   make   tins    Exchange   as   prominent    as   anj    ol    the    [Eastern    si 

»n  Francisco   Stock  and    Bond   Exchange   Is  open   to   the   public    durl 

held  morning  and  afternoon. 

SAN    FRANCISCO    STOCR    EXCHANGl        Organized    on    September    11,    IM2,    m 

name  ol  the  San  Francisco  Stock  and  Bxchai 

nently   Identified   with   the  financial   business   ol    the   P 

regard   to  the  mining  and  oil   Interests.     It   is   the  second  oldest 

nature  In  this  country,  the  New    York   Stock   Excl  (dating  it   i 

The  San  Francisco  Stock  Exchange  lias  been  associated  with  some  ol  tl 

and  romantic  episodes  In  tin-  historj  ol  San  Francisco  and  the    I' 

during  the  period  of  the  Civil  War,  the  great  bonanzas  ol  Ihe  ■  omstoi 

the  eyes  of  the  world  upon  these  famous  sliver  mines  ol    Si 

scene  of  the  nmst  remarkable  excitement   which  has  ever  attended  lh< 

sale  of  mining  shares  In  the  historj  ol  the  mining  world. 

In  the  earlj  days  of  this  citj  the  energies  ol  the  Stock  I  \.  hi 

tu  trading  In  shares  ol  the  <  omstock  Lode,  and  man]  or  the  si  prom 

of  the  West,   men    whose   names   are   Interwoven   with   the   upbu 

Coast,  were  the  leaders  in  the  various  fluctuations  ol   the  market  whl< 

maintained  the  attention  of  practical!]   everj   speculator  In  the  t  nit.  i 

wire  the  big  four     Mackey,  Fair,  Flood  and  O'Brien     guiding  the  destl 

market,   and    such    nun    as    William    <  ,    Ralston,   James    i;     Keene,    lai         i      i 

William  Sharron,  Robert  F.  Morrow  ami  countless  other  giants  in  tin 

fighting  their  battles  on  the  Boor  of  tin-  old  Board, 

The  tide  of  prosperity  was  reached  during  the  famous  deals  In  th< 
stocks  bounded  from  a  few  cents  to  hundreds  ol  dollars  per  share  upon  tin 
of  the  great  bo  nan/as.  and  while  there  have  been  man;    >•< 
long   periods  of  adversity,   nevertheless   the   San    Francisco   Slock    I  *cl 
is  still   the  leading  mining  exchange  oi    the   world,  and   maintains  n   | 
in  the  Qnancial  business  of  this  city. 

When   the   Comstocks   had   ceased    to   attract    the   attentl i    the   public,   and   the 

mining  stock  business  of  the  coast   was  at   its  lowest  ebb,  thi    disco vi 

and  Goldfleld   created   new   life,   culminating   in   the  great   I m   ol    run.   win. 

lowed  the  discoverj  of  the  wonderful  b nza  in  the  Mohawk  mine  at 

From  1900  to  1907  the  business  of  the  Board  reached  verj   large  proportions     millions 
of  dollars   were  made  and   lost   i,>    men   who   followed   Ihe  mining  busines 
good  old  days  of  '73  and  '78  were  reproduced  on  a  smaller  si 

At   the  present   time  the  oil    Exchange   has   been  amalgamated   with   the   S 
Exchange    Board    and    the    Institution    is    now     known    as    the    s.m    i 
Exchange.     In    1913   the  clearing   house  ol    the   Exchani  i   a  loin  I   volun 

business  amounting  to  11,300,942  shares  of  a  value  ol  lit. II  1.15.1.  and  in 
shares  worth  $16,103,664.     Ii   should  lie  noticed  thai   brokers  on  tins   i 
a  considerably   larger  business  than   is  represented   h>    these  Qgures,  as  man)   oi  the 
transactions   are    made   directly    with    Eastern    points   and   do    nol    pass   through    Ihe 
clearing  house.     It   is  anticipated  thai   In   1915  the  clearing  house  will 
120,000,000  in  business,  the  improvement  resulting  from  recent  important  sti 
in  the  Tonopah  and  Goldfleld  mining  districts  "t    Nevada  ami  to  tin 
manifested  In  mining  speculation. 

Strange  as   it   maj    seem,   the  control   of  these  wonderfull)    rich   Nei 

whose    shares    are    traded    OH    the    I    KChange    have    passed    Into    till     hands 

capital.     The  ownership  of  the  lo^  mines  is  now    vested   in   \.  w    v.ik.    p| 

Pittsburg    and    Chicago,    and    the    business    of    the    Million    I    \cll 

orders  received   from  distant   points   In  the   I  n-ithsttiuding  tins   i..,i,  ii 

Francisco   Stock    Exchange    is   s,i   flrmlj    Identified    with   Ihe   mining   i 
United  States  thai  it  is  todaj  a  general  clearing  house  for  mining 
part  of  the  countrj . 

It  will  perhaps  surprise  manj  to  know  thai  this  modesl  and  unassuming  Instil    | 

handles    a    l.iisiuess    ol     a|  i|  u  'I  •  \  I  n  i  a  I  e  I  \      |20,000, I     Is    sldl 

reputatl i  San  I  ranclsco  as  the  mecca  for  the  mining  Ind 

COMPARISON  OF  PACIFIC  COASM    CITIES  FOR   191  I 

p.  ipi  i  \  i  ii  >\    i    -  -  . 

Citic 

san    Francisco    Ill 

I. os    Angeles    319,198  1.1  i 

Seattle   l':::.ivi 

Portland     207,21  t  216,048 

I'm  ■!  I  I    >l  lni|- 

trin  uon  by  S 

San  Francisco 
Los    Angeles 

Seattle        I  1.415 

I  oi  Hand     8,101  t  1,24  I 

It  will  be  noted  1 1  on  Ihe  al 
•  oast  eities.  hut   in  bank  clearings  and 
three  largesi  coasl  cities.      Ml  li^n- 


SAN    FRANCISCO  —  THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 


CONSULS  LOCATED   IN  SAN   FRANCISCO  — 

Argentina Boutwell  Dunlap,  Vice-Consul,  First  National  Bank  Bldg. 

Austria-Hungary Dr.  Fred.  Freyesleben,  Consul-General,  311  California  St. 

Belgium Francis  Drion,  Consul,  .'ill  California  St. 

Bolh  ia .Carlos  Sanjines,  Consul,  58  Sutter  St. 

Brazil Archibald  Barnard,  Vice-Consul,  625  Market  St. 

Chile Vrturo  Lorca,  Consul,  311  California  St. 

China S.  C  Shu,  Consul-General,  019  Kearny  St. 

i  olombia Francisco  Valencia,  Consul,  :S11  California  St. 

Costa  Rica Dr.  P.  de  Obarrio,  Consul-General,  510  Battery  St. 

i  una B.  C.  Puyans,  58  Sutter  St. 

Denmark 0.  Wadsted,  Consul,  Mills  Bldg.,  Montgomery  St. 

Dominican  Republic. .  .John  Barneson,  Consul,  310  Sansome  St. 

Ecuador hum  Chavez  Mesa,  Consul-General,  311  California  St. 

France I.  Neltner,  Consul-General,  108  Sutter  St. 

German  Empire Franz  Bopp,  Consul-General,  201  Sansome  St. 

Great  Britain Alexander  Carnegie  Boss,  Consul-General,  268  Market  St. 

Greece Richard  de   Fontana,  Acting   Consul-General,  693  Mission   St. 

Guatemala Juan  Padilla   Matute,  Consul-General,  460  Montgomery   St. 

Honduras Fimotco  Miralda,   Consul-General,  460  Montgomery  St. 

Italy Ferdinando  Daneo,  Consul-General,  460  Montgomery  St. 

Japan Yasutaro  Numano,  Acting  Consul-General,  221  Sansome  St. 

Liberia Bay  P.  Saffold,  Consul,  568  Golden  Gate  Ave. 

Monaco Bay  P.  Saffold,  Consul,  568  Golden  Gate  Ave. 

Mexico B.  P.  Negri,  Consul-General,  519  California  St. 

Netherlands H.  A.  Van  Coenen  Torchiana,  Consul-General,  663  Mills  Bldg. 

Norway Andreas  Bjolstad,  Acting  Consul,  214  Front  St. 

Nicaragua A.  Canton,  Consul-General,  311  California  St. 

Panama Uejandro  Briceno,  Consul,  510  Battery  St. 

Paraguay Eustorjio  Calderon,  Consul,  561  Hyde  St. 

Persia Harry  Thornton   Moore,  Honorary   Consul,  525  Market. 

Peru Enrique  Grau,  Consul,  510  Battery  St. 

Portugal Siamo  Lopes  Ferreira,  Consul-General,  330  Front  St. 

Bussia Ambrose  Gherini,  Vice-Consul-General,  461  Market  St. 

Siam Henry  (i.  \V.  Dinkelspiel,  Consul,  Claus  Spreckels  Bldg. 

Salvador E.  Mejia,  Consul-General,  460  Montgomery  St. 

Spain C.  del  Valle  de  Salazar,  Consul,  817  Pacific  Bldg. 

S\*  eden William  Mason,  Consul,  268  Market  St. 

Switzerland John  Freuler,  440  Montgomery  St. 

Turkey Maurice  A.  Hall,  Honorary  Consul,  250  Powell  St. 

Uruguay O.  M.  Goldaraeena,  Consul,  4  Columbus  Ave. 

Venezuela Joseph  L.  Eastland,  Consul,  Merchants  Exchange. 

CONVENTION  CITY  — 

Three  factors  combine  to  make  San  Francisco  the  most  inviting  convention  city  on 
the  continent:  The  hundreds  of  modern  hotel  and  apartment  buildings,  which  have 
replaced  the  old  dwellings  throughout  the  burned  district,  and  which  offer  the  maxi- 
mum of  comfortable  accommodation  to  the  largest  gatherings;  the  mild  winters  and 
cool  summers,  insuring  vigor  of  body  and  mind  the  year  around,  and  the  great  Audi- 
torium which  the  Panama-Pacific  Exposition  Company  has  built  in  the  Civic  Center 
at  a  cost  of  a  million  dollars,  and  which  is  the  finest  assembly  hall  the  skill  of 
modern    architects   can   evolve. 

In  addition,  San  Francisco  is  the  main  point  of  departure  for  the  famous  scenic 
beauties  and  wonder  places  of  California,  such  as  the  Yosemite  Valley,  lying  due  east 
of  this  city;  the  Big  frees,  in  the  vicinity  of  Yosemite;  Lake  Tahoe,  a  little  northward; 
the  Glen  Alpine  region  and  Desolation  Valley,  one  of  the  later  recognized  regions  of 
mountain  grandeur  near  Tahoe;  Mt.  Shasta,  in  the  northern  part  of  the  State;  the 
Geysers  and  Petrified  Forest,  in  the  Coast  Range  near  at  hand;  Santa  Cruz  and  its  Big 
lice  grove,  within  116  miles,  and  Mt.  Tamalpais  and  Muir  Woods,  just  across  the 
northern  army  of  the  bay — to  say  nothing  of  San  Francisco  Bay  itself,  fully  as 
beautiful  as  the  Bay  of  Naples.  No  other  city  presents  such  attractive  conditions  for 
the  gathering  of  convention  delegates  and  their  families. 

COSMOPOLITAN  METROPOLIS  — 

You  can  eat  a  meal  "cooked  in  any  language"  in  San  Francisco.  It  is  a  cosmopolitan 
seaport,  the  Chinese  quarter,  commonly  known  as  Chinatown,  is  the  largest  Chinese 
city  outside  of  China,  with  a  population  of  10,582  in  1910.  This  is  one  of  the  unique 
show  places  of  the  city.  A  telephone  exchange,  run  by  Chinese  girls  who  memorize 
1,500  Chinese  subscribers  by  name  instead  of  using  the  numbers,  is  something  that 
will  not  be  seen  anywhere  else.     The  Japanese,  Greek  and  Italian  or  Latin  Quarters 

94 


SAX   FRANCIS*  l  l        l  III.    I  IN  \\«  l  \|  .  i  OMMI  R(  I  \l 
INDUSTRIAL   Mil  ROPOLIS  0/  tht    PACI1  l< 


COSMOPOLITAN  METROPOLIS       I  ontinued 

are   all   of   Interest     Newspapers   are   publ 
Greek,    Chinese,   Japanese,    Swedish,    Hams! 
French,  German,  1  hln<  ie,  Japanese,  Italian,   i 
are  .-ill  located  In  San  Francisco      Native    il     In      ; 

in   the  restaurants  "i    Pri Germany,   Sp 

San  Francisco  has  the  largest   French  Hospil 
France.      Fisherman's   Wharf,   at    the   end   ol   Join 
Italy."    The  real  Mediterranean  .d nc .-.j.i. 

awaj    from   the  original.     The   little   ■  ioi unit}    Hunt. 

to  a  fe*   years  ago  the  <  hinese  New    ^  ■ 

mony,  but  since  the  Republic  has  been  fbi I  tin 

as  the  '»l<l  Chinese  calendar  has  been  abolished.      n><    Impn 
\  i>  11I.  Iimw  i\  er,  that   San   1  rani  1  ell 

stales  Census  oi   1910,   iO     i"  r  cent  "i  the  i"  pulation  » 
were   foreign   born   whites,  and  onlj    8.4    i"  1    cent 
Indian,  etc     Onlj   'J.i   pel   cent  ol   ili<-  persons   10 
Californlans   are   proud   "i    their   State,   and    wh 
organization  "i    Its   Native   Sons,   the   cosmopolitan  Ism 
emphasized   bj    the  fad   that  •  > t  •  1  residents  • 
wins  on  his  merits  and  the  Easterner  sooi    1 

CRUDE  OIL  — 

Sic-  Producl ■••11  "i  1  al Ifornla. 

DAILY  AND   POULTRY  — 
Sec  Producl  Ion  "t   Calii  ornla. 

DECIDUOUS   FRUITS 

See  Producl  Ion  "i   <  alii  ornla. 

DISTANCES  FROM  SAN   FRANCISCO    i<>  DOMESTI4    PORTS 
Place,  Miles. 

'  ape   Flatters    Kotzebue  Sound 

Columbia  River Nomi 

Douglas  Island  I  ■ .  i 

Glacier  Baj     

Golofln  Baj    2  Sitka 

Grays  Harbor   si.  m..  ha<  Is 

Honolulu    2,100  I  nalaska 

Juneau    

DISTANCES  FROM  SAM   FRANCISCO    I"  FOREIGN   PORTS 
Place.  Ml 

Acautla 

Acapulco    I  Marshall   1 

Adelaide     Marqui  sai  Isl 

Antofagasta 

\|>>a       urnr 

Auckland  M< 

lu  Isbane i  mkl 

i  alcutta 

1  ai  lao 

Cape  San  Lucas  \riimr 

1  . 1 1 1 . 1  • .  w  n 

•  hampi  rlco 

1  oronel 

l  in  Islands 

Galapagos   Islands 

(.nam    

Guayaquil  S)di  •  v 

Guaymas 

Hiogo 

II..  I.  ail 

Hongkong  .  w . 

Iqulque 

DISTANCES    FROM    SAN    FRANCISCO     l"    EASTERN     \nd    FOREIGN 

POR  1  S,  DILI  <  1     Wh  \  l  \   PANAMA  «   IN  VI 

Antwerp  l    1 

Boston  I    1 

(  onstantlnopli 

Genoa 

Hamburg 

Havre 


DOWN    TOW  N     \ssi  .i   I  \  I  [QN 

Si  I      Cor  mi/al  LUIS. 


j£a 


DRILL  OF  CADETS  ~  UNIVERSITY-  OF  CALIFORNIA 


^      r%iuiiii 


LIBRARY-    STAMFORD  UNIVERSITY 


PANORAMIC  VIEW  of  STANFORD  UNIVERSITY 


SAX   FRANCISCO       THE  FINANCIAL,  COMME1 
INDUSTRIAL    Mil  ROPOLIS  0/  f/n    PACIFK     COAS1 

EDUCATIONAL  FACILITIES 

Earl]   s:ui   Franciscans  who  wished  I"  put  lh< 

Honolulu,  luit  California  has  probabl)   adva 

tiuii  than  an)   other  phase  "i   development,  ond  1 

must  progressive  Eastern  states.     The  disbursement  ••: 

is  heavier  than  for  :ill  other  Items  combined 

1913-1  I. 
The  two  great  unlv<  rsities  and  worn* 

in  suburbs  ol    S;ni   Francisco,   while  In  thi 

obtained    In   :il si    everything   teachable,    from   n 

iIm   universities  is  free  t"  citizens  "i  the  State. 
The  public  free  school  system  "i  s.m  i 

four  high  schools  whose  graduates  <;in  mati 

examination.     This  was  the  liisi  cltj   In  the  I  nlti  i 

tun  Igal  ion. 
There  Is  :i  One  Ih^li  Si  l i  <-t  '  omn 

is  conducted  bj  one  <>f  the  must  p 

Polytechnic   College,   the    Wilmerdlng    Scl i    ol    in.i. 

School  "i  Mechanical  Arts  (endowed  b)  J  ami 

Training  for  Girls,  are  unexcelled,      rhesi    an    all 

There  are  business  colleges,  dramatic  schools,  arl  school 

"i    Musi,-.      \ikI   in   the  suburbs  .hi    excellent   acadeti 

for  Boys,  :ii   Belmont;   Mt.    ramalpals  Military    v 

ii id-  scl is  and  seminaries  for  young  la 

The  professional  schools  oi   San  I  ranclsco  hoi  I 
/:/  LMOh  1    S(  //""/        Belmont,  <  al. 
/:/  s/  s    \i;  1   si  HOOl        (  .,i,i,. 1 ,,,.,  Bnd  Poll  »b 
BOONE'S   1  VIVERSITl    SCHOOL       2029  Duranl  avenue,   i 
CAL11  ORNl  I   1 ,01  i  i  Gl    Ol    OPTOMl  TM        Mt   M     I 
CALIFORNIA  SCHOOl    Ol     IRTS    IND  CRAFTS       I 

i   ILIFORNIA     SCHOOL    OF     HECHANH   W       W;  /  s       Slxl 
Francisco. 

CHILDREN'S  HOSPI1  M        California  and  Mapli   il 

CHRISTOFFERSOJk     \\l\ll<>\    si  //mm/         m: 

COGSWELL  POLYTECHNIC  COLLEGl         rwenty-slxtl         II 

COLLI  '•/    OF    iCCOVNTING       931   ll-  arsl  build 

COLLEGl    OF  PHYSICIANS    IND  SURGEONS 
l  'harmac)  departments. 

DOMINH   i  \  COLLI  Gl        San  Rafael,  «  al. 

DRl  R    s  i  n  \i  BING   S<  HOOl 

nihil)    BUSINESS  COLLEGl        Mission  Bank  bul    I 

i,  \i  I  IGHER  HARSH  Bl  SINESS  COLLEGl        12  I    Marl 

i.i  i;\i  i  \   HOSPI1  \l        I  ourteenth  and  Soe  sti 

GREGG  SCHOOl   Ol    SHORTHAND       Grant  bulldini 

ii  \ii\i  \i  i  \  \  //ms/'//  i/        (  allfornla  and  Ma| 

HAHNEMANS    Minn   \i    COLLEGl    OF    TBI    PACIFK 
homeopathic. 

//  I  s//\(,s    COLLEGl     m      I  III     LAW 
I  ui\  i ■!■■» 1 1 \   ,,i  Callforn la. 

///   ILD'S  Bl  SINESS  COLLEGl        Van  Ni 

in  n  //(  mi  n    mii  1 1  \i;)     \i   IDI  Ml        Sa 
/  t  \  /    //ms/  /  /  i  /        \\ ,  bsti  i   and  «  la)  sti 

LELAND    STANFORD   JUNIOR    VNIVERSIT\     DKPARTUKX1 

per   Medical   f.< 
\nsih   librar)    In  thi    i    untry- 

I  i  \    SCHOOl     OF  INDUSTRIAl     TRAINING 
I  ranclsi  o. 

M  i  /,'<  ONI   H  tRl  LESS  s'  HOOl         >C  Main  si 

\/,  /im\v  /  /  /    si  //mm/    OF  CUTTING 

HcA'l  /  /    HOSl  1 1  \  l        Plni     ind  Hyd 

HI  RGl  STHALER  LlNOTYPl    SI  ttOi 

w/ss  /./  win  {RD'S  Si  HOOl 

w/ss  HAMLIS  s  si  Hi  ii  >J 

w/ss  //  i  s/w  \  s  s-  HOOl        i 


SAN    FRANCISCO  — THE  FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 


EDUCATIONAL  FACILITIES  —  Continued 

MISS  HEAD'S  SCHOOL  —  2538  (banning  Way,  Berkeley,  Cal. 

MISS  RANSOM'S  AND  MISS  BRIDGE'S  SCHOOL  —  Highland  avenue,  Piedmont,  Cal. 

MISS  WEST'S  SCHOOL  —  2421  Fillmore  street,  San  Francisco. 

Mi.  TAMALPAIS  MILITARY  ACADEMY  —  San  Rafael,  Cal. 

MlNSo\  school  OF  SHORTHAND  AXD  TYPEWRITING  —  150  Post  street,  San  Francisco. 

PARK  HI  DIM;   SCHOOL  —  2934  Fulton  street,  San  Francisco. 

POLYCLINIC  POST  GRADUATE  MEDICAL  DEPARTMENT  —  Of  the  University  of  Cali- 
fornia, 443  Fillmore  street. 

POLYTECHNIC  HIGH  SCHOOL  —  Frederick  street  and  Arguello  boulevard,  San  Francisco. 

SAN  FRANCISCO  BUSINESS  COLLEGE  —  908  Market  street,  San  Francisco. 

SAN   FRANCISCO  INSTITUTE   OF  ART — California  and  Mason  streets. 

s  I  \   FRANCISCO  SHOW  CARD  SCHOOL  —  915  Van  Ness  avenue,  San  Francisco. 

SAN  FRANCISCO    UNIVERSITY  SCHOOL  —  2264  California  street,   San  Francisco. 

S  l  \    FRANCISCO  VETERINARY  COLLEGE  —  1818  Market  street,  San  Francisco. 

SNELL   UNIVERSITY  —  2721  Channing  Way,  Berkeley,  Cal. 

ST.  FRANCIS  HOSPITAL  —  Bush  and  Hyde  streets,  San  Francisco. 

ST.  LUKE'S  HOSPITAL  —  Twenty-seventh  and  Valencia  streets,  San  Francisco. 

ST.  MARY'S  HOSPITAL  —  Stanyan  and  Hayes  streets,  San  Francisco. 

ST.  WINIFRED'S  HOSPITAL  —  1065  Sutter  street,  San  Francisco. 

TAYLOR'S  NAUTICAL  SCHOOL—  510  Battery  street,  San  Francisco. 

TRINITY  SCHOOL  —  840  Stanyan  street,  San  Francisco. 

UNIVERSITY  OF  CALIFORNIA  MEDICAL  DEPARTMENT  AND  HOSPITAL  (Formerly 
Toland  Medical  College) — -At  Affiliated  Colleges,  Parnassus  avenue,  opposite  Second 
avenue.     Here  are  also  the  departments  of  Dentistry  and  Pharmacy. 

U.  S.  NAUTICAL  COLLEGE  —  320  Market  street,  San  Francisco. 

WESTERN  SCHOOL  OF  CARTOONING  —  Phelan  building. 

WILMERDING  SCHOOL  OF  INDUSTRIAL  ARTS  —  Nineteenth  and  Utah  streets,  San 
Francisco. 

EDUCATIONAL  INSTITUTIONS  — 

UNIVERSITY  OF  CALIFORNIA  —At  Berkeley,  Alameda  County,  across  the  bay  from  San 
Francisco,  and  about  a  forty-five  minute  ride  by  ferry   and  suburban  electric  train. 

The  University  of  California  is  one  of  the  foremost  American  institutions  of  learn- 
ing. Its  graduate  astronomical  department  is  the  Lick  Observatory  on  Mount  Ham- 
ilton, where  Bernard  discovered  the  fifth  satellite  of  Jupiter.  Its  College  of  Agriculture 
was  (lie  lirst  agricultural  experiment  station  established  in  this  country,  and  enlisted 
the  services  of  such  eminent  students  of  the  subject  as  E.  W.  Hilgard,  long  recognized 
as  the  world's  greatest  authority  on  soils,  and  E.  J.  Wickson,  a  leader  and  an  authority 
on  horticulture.  The  Le  Conte  brothers,  John  famous  as  a  physicist,  and  Joseph  as 
a  geologist  and  one  of  the  earliest  teachers  of  evolution,  spent  their  productive  years 
in  the  faculty  of  this  university.  Frank  Norris,  the  novelist;  Samuel  E.  Moffett,  the 
publicist,  and  Josiah  Hoyce,  the  philosopher,  studied  here,  and  Edward  Rowland 
sill,  the  "poet's  poet,"  was  an  instructor  in  the  English  department.  Jacques  Loeb, 
I  be  greal  biologist,  was  a  member  of  the  faculty.  All  over  the  world — in  Alaska, 
China,  South  Africa  can  be  found  the  graduate  engineers  of  its  famous  school  of 
mines.  Tuition  is  free  to  residents  of  California,  the  institution  being  supported  by 
the  State  and  by  private  endowments.  Non-residents  of  the  State  pay  $10  half-yearly. 
Expenses  In  the  college  town  of  Berkeley  are  comparatively  light.  The  university  is 
coeducational.  In  1913-1  1  the  enrollment  aggregated  about  7,000,  the  largest  in  the 
country  with  the  single  exception  of  Columbia. 

The  Summer  School  at  the  University  of  California  is  the  largest  of  its  kind,  and 
it  attracts  more  than  two  thousand  students  every  year,  from  all  parts  of  the  United 
States.     The  tuition   fee   is  $15,  and  there  are  laboratory  fees  in  some  of  the  courses. 

The  site  of  the  University  is  a  noble  expanse  of  520  acres  in  the  rolling  hills  of 
Berkeley,  looking  over  the  Hay  of  San  Francisco.  The  town  takes  its  name  from  the 
institution,  and  the  institution  from  the  great  transeendentalist,  the  Bishop  of  Cloyne. 
AFFILIATED  COLLEGES  —  Located  on  Parnassus  avenue,  facing  Golden  Gate  Park  from 
the  background  of  the  Sutro  forest,  built  by  the  late  Adolph  Sutro  and  now  a  part  of 
the  University  of  California.  Here  are  the  University's  Colleges  of  Dentistry  and 
Pharmacy  and  the  Medical  School,  to  which  is  attached  the  University  of  California 
Hospital. 
///  VRSI  CREEK  THEATER  —  The  world-famous  Creek  Theater,  gift  of  William  Ran- 
dolph Hearst,  lies  eastward  of  the  main  building,  in  a  hollow  of  Charter  Hill,  once 
known  as  Hen  Wedd's  Amphitheater.  It  seats  8,000  people,  and  here  have  appeared 
such  artists  as  Scbuniann-Heink,  Cadski,  Nordica,  Tetrazzini,  Bispham,  Wullner, 
HetchinikoIV,  Heel,  Adele  Verne,  Josef  Hoffman,  Myrtle  Elvyn,  the  Ben  Greet  players, 
Constance  Crawley,  Nance  O'Neill.  Maude  Adams,  Margaret  Anglin  and  Sarah  Bern- 
hardt    some  nl   the  greatest   players  of  the  world,  in  their  greatest  roles. 

98 


SAN    FRANCISCO        I  ill.    I  l\  \\<  I  \|  .  <  OMM1  Rl  I  \  I 
INDUSTRIAL    Ml.  I  ROPOLIS  0/  tht    PACIFN     COAS1 


EDUCATIONAL  [NSTITUTIONS       Continued 

II  LAND  SI  I  WORD  I  V/l  I  RSI1  I         M    Palo    \  I 


of  San  Francisco.    This  Institution  1-.  ■  i>..mi  ol  pride  with  ■ 

younger  than  Ihe   1  niversitj    ol   (lalifnrnhi 

in  the-  world  "I  education.     Its  great  endowment  ol 

fai is  teachers.     Its  teaching  stall   is  •  ol   the 

educational,  bul  the  number  of  women  students  is  Mm 

The  universitj   is  1.,,  ,1,  .1  ,,,,  the  "Palo  Alt     1 
ford,  liy   whom  and  ins   wife,  Jane  l  athrop  Stni 
Leland   Stanford,  Jr.,  who  died   in  Ins  sixteenth 
acres,  partis   rising  Into  the  foothills  ol  Ihe  S 
full  college  course  offered  are  here,  and  tuition   1 
Guild   fee  of   -i,    half-yearly,  and  charges   in  tin     I 
In   1913-14   the  number  of  students  enrolled 
Mission  style  ol   architecture  has  been  employed  on  11 
Memorial   I  hurcfa   bears  on   pediment  and   h  I 
mosaics  In  the  world. 

The    I. eland    Stanford   Junior    Museum,   contali 
lections  of  the  universitj .   is  situated  a  quat 
the  Quadrangles.     It  grew    from   the  collection   begun   I 
is   preserved   the  skeleton  ol    the  great   sire  ol    h 
Interest   to  breeders,      rheri    ar<    also  Interesting 

art,  and  the  Hi  Cesnola  collect! 1  Greek  and  Roma 

MILLS   (oil  1  1,1     (formerlj    Mills   Semlna  tuated    In   I 

Oakland,    about    an    h 's    ride    from     San     |: 

cluslvel]   for  women  wesl  ol  Ihe  Rock)   Mountains.     H 

\\  est ;    1  rom    Brll  Ish   i  olumbl  1   lo   San    1 

Matriculation    requirements   are   the   sat 

Stanford.     The  college  grounds,  secluded   yel 

and    ttftj    acres   ol    charming   country,    with    green    lawns,    ; 

w oodland  and  beaut  i  1  ui  sin  ams. 


EXPORTS    \ND    IMPORTS    \l    SAN    FRANCISCO    ro    Wl>    I  |;m\| 
COUNTRIES 

Prom   1      S 


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ScatUe 


SAN   FRANCISCO     -THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 


PRISCIPAL  ARTICLES  OF  FOREIGN  EXPORT  FROM  SAN  FRANCISCO  BY  SEA — 

1914 

Cotton,  Ravi         J7.444.148 

Canned  Goods: 

Fruit  .    .  $4,582,688 

Sab 3,411,581 

Vegetables  438,385 


8,432,554 

Coal  Oil  7,080,844 

Barlej  6,488,760 

Prunes 1,079,284 

II 1,505,055 

Furl  Oil  1,895,820 

Dried   I'niiK: 

Dried   Ipples  87,260 

Dried  Apricots      143,691 

1  tried  Peaches        188,876 


719,327 

Raisins  551,812 

I    Either : 

Sole  293,092 

(  MIkt  (not  including  Boots  and  Slides) 448,737 

741,829 

Lumber 2,029,344 

Iron  Manufactures l  .012.386 

PRINCIPAL  ARTICLES  OF  FOREIGN  IMPORT  AT  SAN  FRANCISCO  BY  SUA 

1914  1!)I4 

Raw  Silk        $28,130,357  Olive  Oil $973,646 

Coffee                             5,077,914  Coal 899,592 

Tea                                              2,742,492  Manila  Hemp 693,908 

Burlap                                                         1,597,369  Copra 639,970 

Rice                                             1,515,231  <:it;ars 531,906 

Bags                                         1,480,458  Cheese 488,844 

Tin  Ingots                                          1,394,171  Vanilla  Beans 365,026 

Nitrate  of  Soda  1,146,677 

From  I  niied  Stales  Custom  I  louse  Records 
Exports    from    San    Francisco   to    Foreign 

Countries,     the      Atlantic     States     and  Exports  to  Foreign  Countries. 
\  us-!  Ion  i  [i.i  hi  s  Territory. 

1914                          $111,521,675                    1914 $64,284,092 

1913                                                 ...    111,021,603                    1913 69,670,853 

1912                                              ...     95,473,340                   1912 54,707,850 

1911                                                 ...      85,445,970                    1911 43,427,033 

1910                                                 ...      65,008,518                    1910 35,773,746 

I'm  i                                                 ...      57,221,596                    1909 30,431,489 

1908    .                                        48,464,161                    1908 30,738,610 

1907..                                        4ii.a71.790                    1907 29,838,469 

1906                                        49,562,403                    1906 33.470,478 

1905                                      61.  !Hs,.  505                   1905 46,888,504 

I '.hi  I                                        56.661.  is  1                    1904 88,119,692 

1903                                                        51,552,249                   1903 31.772,11:! 

1902                                                           47. 601, 122                    1902 37,095,030 

loin    .                                      41,638,410                   1901 36,784,072 

FARM   ANIMALS  — 

See  Production  of  California. 

FARM  PRODUCTS  — 

See  Production  <>f  California. 

FEDERAL  RESERVE  BANK  — 

District  No.  12,  with  headquarters  at  San  Francisco,  embracing  the  States  of  California, 
Oregon,  Washington,  Idaho,  Nevada,  Utah  and  part  of  Arizona.  The  Federal  Reserve  Act 
was  passed  in  December,  1913,  and  the  twelve  regional  hanks  provided  for  were  organ- 
ized November  16,  1914.  Each  Of  these  regional  hanks  is  managed  by  a  hoard  of  nine 
directors,  six  of  whom  are  chosen  hy  the  member  banks  within  the  district.  Three 
Of  the  six  are  men  of  hanking  experience,  the  other  three  represent  commercial,  in- 
dustrial    and     agricultural     interests     in    the    district.       The    other     three    directors     are 

appointed  by  the  Federal  Reserve  Board  at  Washington  and  represent  the  Government. 
This  Federal  Reserve  Hoard  is  the  head  of  the  system,  occupying  a  position  of  over- 
lordship  and  appointed  by  the  president  of  the  United  States  and  has  as  its  function 
the  general  supervision  of  the  entire  system,  comprising  twelve  units  united  under 
one  leadership.  In  all  matters  of  general  policy  the  Federal  Reserve  Hoard  at  Wash- 
ington is  dominant,  but  in  the  control  of  discounts  and  deposits  and  of  the  ordinary 
routine  of  business  the  banks  are  managed  by  their  own  directors.  It  must  not  be 
misunderstood  that  the  Federal  Reserve  Ranks  are  merely  emergency  banks  to  be 
resorted  to  for  assistance  only  in  time  of  abnormal  stress,  nor  that  they  are  additional 
banks  which  should  compete  with  the  member  banks.  C.ontrarily,  the  function  of 
the  Federal  Reserve  Rank  is  to  help  the  public  by  assisting  the  member  banks.  Its 
duty  is  plainly  not  to  await  emergencies  but  by  anticipation  to  do  what  it  can  to  pre- 
\i  nt  them.  'Ibis  system  has  been  the  most  far-reaching  beneficial  change  made  in  the 
held  of  American  banking,  and  has  already  produced  results  of  the  most  noteworthy 
character-.  Its  potentialities  are  vast  and  should  contribute  immeasurably  in  the 
future  to  the  solidity,  stability,    and   flexibility  of  the  American  credit  system. 

100 


SAN    I  R  \\<  [SCO        l  III.   I  l\  \M  I  \l..  I  OMMERl  I  \i 
[NDl  STRIAL    Mil  ROPOLIS     ■  tht    PACIFK     I 


I  [SHERMAN'S  WHAR1 

I  In-  base  for  the  fishing 
their  llvelil l   hj 

•  ■I  the  men  make  iius  om   ol  tin   p 

FISH   INDl  M  R1 

See  Product  lou  "i   '  alirornla. 

I  OR  I     M  \S(.\     \M»     I  III       I  I:  \\SI'M|;  I     |,,  ||   KS 

I  he  I  nited  States  mllltoi  >   i  • 

•  ■i  the  manj   beaut  Iful  spots     .  s«     i 
Black    Polnl    <  ove,   and    i  rom    Ihr 
wonderl  ul  panorama  ol  bnj  and  h 
broken  coast,   ol    which    tin    lovei 
enough.      I  he   P t   pi  oJ«  Is    well 

lulls  clear  ar id  to  1 1 Idcn  (inti     mil  I 

Fori  Mas s  the  site  •  •!  II 

the  Signal  <  orpa  depot,  the  Mi  dlcal  s 
The  residences  "i  the  department  comn 
largest  quartermaster's  suppl)   depol   In   I 

l  iiiiri  i>    «  esl w  .11  'I   an    tin    Pnnun 
ul  the  amphitheater  known  as  Harl        \ 

Projecting  northward  Into  the  channel,  wi 
Transport    Docks,   the   onl)    transp 
i  .•  i\  eminent.     These  Ihn 

.1  ml   i In-  1 1  Mt.  i    om    119  reel    hi  w  hIIIi.   «  iili    i 
Mini  i  a  ii  I Inea  "i  i  -  k. 

In  earl)  da)  i  Black  Polnl  a as 
along  the  east  side  ol  the  polnl  which  ni 
the  division  commander's   stall    were  "man 
..ill  residence  "i   I .eonidus  Haski  i 
in  lln-  duel  w  itli  J 

I  OR  I    IK<  i">\\  I  II. 

S<  •     \  Dgel   Island. 

FORI    Mill /i 

See  i.i in  l '.ii  k. 

Ill:   CENTER 

s;in  I  rani  Ikco  has  been  foi 
States,      liilnii.il>   to    Maaka  and  the    \ 

miii     Not  I  Ii    ;itnl    conl  iHH"iis    to 

these  countries  gravitate  In  s.m   I  ■ 
legend  "i  the  picturesque  whaling  buslni 

I I  "Nt.      i 'or  almost   hal f  a  ci  ntui  > .   Ihi 

1 1'  hi  i  s.i  1 1  Francisco  and  crept  up  tl ii"»1  II 

touching  Polnl   Barrow,  which  Is  Ihr  most  t 

Ii  is  .hi  interest mu  t.u  i  that  .it  Point   i 
erl)   i"  I"-  found   In  Ihe  West 
1 1  ading  slot  Ion  ow  mil  bj    a  San   Fi 
..I   these   northern    \  oj  agi  urs     lln 
In  .i\  r  w  haling  and  ti 
tribute  i"  one  "i    Inn >  ■ 

II,.    public   Ol    largl     Omul. I    l..    i. .1.1.   Ili.it 

tut-  establishments  hn\  i 
be  proud. 

GOLD1  N  GAT1    P  VRK 

i      in   Stan)  -in   stn  et,   Ihi 

\\  .i\  on  Ihe  south 

u  Ide,  l"  i  weci    i 

li. ik. -t    -■ 

in  proi  Idlng  iii<   pi 

waterfalls  ol  Ihi   i  ■■«  n.  »  Ith 

i  \  Isis    III     Ml\    •■'  hi  '      \ 
i    i  mil. iius    long    (I 

their  summits,  nil 

handball  rts,   i 

to  be  round  any  when      i  Ihli 

w  ul.-  .nut   an   mil.    > 

M.isk.lll    

through   the   North 
I'ulii  fern  of  Hawaii  I     I 
tin 
world,    H 

IISC   Hum    pai  k        I 

lovers  "i    k i   h 

rides  Ihi   In  Idle  paths 

l  ntering  b)  thi 
stone  and  lib 
..i    the   ■  redil 

101 


CLIff  HOUSE 


^fS  Cflc^ 


MODEL  YACHTS  ohSPRECTCIS  LAKE 


SCKNKS   I\    COLDKN    CYTE   PARK 


S\.\    FRANCISCO       THE   FINANCIAL,  COMMERCIAL 
IN  I)  I  SI  RIAL    Ml.  I  ROPOLIS  of  the  PACI1  [4     COAS1 


GOLDEN  GATE  PARK       Continued 

McLaren   is  recognized  abroad  as  one  ..i   thi 
has  been  put  In  charge  .if  Uie  land 

The  Conservatories  contain  .1   greal  collect 

cycads,  lycopoda  and  a  profusion  ol   Dowering  thmus  I. 
eastward    <>i    the   Conservatories    is    the   Krlz 
dowering  aloe.    There  is  usuallj  a  "centurj  plant"  In  I 
gorgeous  pheasants,  cockatoos,    Uaskan  ptarmlga 
■  it'   winged    Hi'-.      Beyond   the   Aviary,   southwrstwtirfilv,    is   I 
taining  what  "Buffalo  BUI"  declared  lo  b<    one  ..t  the  I 
in  existence.     South  ol   the  Buffalo  paddock,  turn  back  on  I 
ward.    At  this  ciici  ..I  the  Park,  Joined  bj  »  inding  1 
the  baseball  grounds,  the  croquel  Kn.1111.ls.  the  bowling 
t.is  with  Hi.'  playground  apparatus,  donke)  drlvi 

Lake  AJvord  with  its  fountain  is  opposl  e  the  lialgl 
the  Park.    The  Bear  garden  c  mtalns  s..m.   flne  specimen*.     N 
the  Deer  park,  and   farther  on  the  Arboretum.     Bcyoi 
is  the  large  glen  where  range  One  herds  of  Klk.  ihe  nol 
perfection,  ror  California   is   his  natural  home.     1  veryom    »hou 
Museum.     Broad  steps  lead  down  t..  the  Boor  ol 
shades  before  the  Temple  "t    Music,  the  Sir 
a  flne  band. 

The  Temple  of  Musi.-  is  the  gifl  <>t   «  laus  Spr«  k.  Is. 

In  the  Japanese  Tea  Garden  have  been  exercised 
lovers.     Tinj    rivulets,   Intrlcatelj   cramped   uiul   i..'i:..i 
linn  waterfalls,  and  then  quiet  down  int..  lim|>i.l  little  1 ., k. .  - 
and    stepping-stones.       Iboul    tln-ir    margins    stand    Buddh 
pottery,  and  old   bronze  cranes   forevei    peering  for   iisL 
and  cedars   stretch   level   arms   ab 

benl   back,  bound   down,  contorted,  distorted,  artlflciallzed   Into 
tuns  and  l  i\  Ing  ornament. 

Stow    Lake,  beyond  the  Japanese  garden,  is  nol  onlj   a I  1.. 

quite  remarkable  engineering.     11  .-.insists  ..1   ..   broad   sheet 

the  base  of  Strawberry    Hill,    il's   feel   high,   which   is  thercbj    turned   Int. 

accessible  bj    t\\"  bridges.     Dlrectl)    north  "i   Stow    I  ..k.    1 

looking  the   Main   Drive,  stands  the   Prayer   Book   •  ross,  "i  1      11 

is  a  massive  piece  "i   masonry,  fort]   feet  high,  and  wa 

late  George  W.  Childa  of  the  Philadelphia   Publl 

1  plscopal   Diocese  "t   Northern  California,  lo  commrmnrntr  tin-  iirst   r. 

in   the   English   language  on   the   Pacific   <  '-..st,  held   b)    Drake's 

the  shore  •  ■!  Drake's  Bay,  north  •  •!  the  Golden  Gate.     Nothlnf 

beaut]   ..I   Lloyd  Lake,  with  its  graveled  margins  and  t1"«' 

tin-  Past   think.. I  bj    Irish  yews,  .in. I  reflected  from  its  stiii 

your  right,  near  the  Main  Drive    is  you  travel   westwa 

th.-  A.  V  Towne  residence,  on  Nob  Mill. 

on.-  can   leave  th.-  Main   Drive  beyond  th.-  Qrsl   bend   west 
bridle  path  to  the  lefl  and  reach  the  Stadium,  wl 
bridle  path  will  take  you  back  to  the  Main   Drlvi 
flne  shed  of  « ater,  \\  here  one  can 
Drive  still   westward  one  emerges  on   11 
windmills  and  the  historic  sloop  GJoa,  with  Ihe  I*.  S.  I 
just  t..  the  north*  ard. 

/  IRGES1    WINDMILL       This   windmill   al   the  northwesl 
flrsl   construi  led.     It  cos!    $25,000  and  bas  ■ 
fresh   breeze.     Its  model    i^  Ihe  t>p.-  us.-. I   In   Ho 
from   a   strong   flow    seaward   under  thi 
Mil    it    into   Stow    Lake.      [Tie   other   Dutch   Windmill   at 
Park,    is   the   largest    ever   built.      Samuel   '■     Murphj 
equip   It.     its   two  arms  an    lit   feel   i"Hk;. 
pin.,   two   feet   thick   In   th.-   middle  and   eight    li 
gallons  an  hour. 

The  object  "i  main  Interest  al  the  west 
ii .    nested  In  rock  and  protected  bj 
llns   is  the  onl)    vessel  that   i  i   through   II 

na\  I  gated  on  lhat  islon  by  t     pin       It        i    I 

« ho   presented   her   t"   San    i 
10.   1909. 

We   lia\  e   now    lra>  .  i  s,  ,i    thi    Pa   • 
an. I   Indicated    its  most   conspli  u< 
its    Inconspicuous   ones,      li    you    wand< 

more  charm  nnd  del  mht  than  «  r  Id 

and   grow  ing   moi  ■    brauliful    w  Uh 
particular  pride  ol   th.    ; 

Ol     111.     -i  .  a!     parks    ..|     111.     u  Ol  Id. 

GOLDEN  GAT]     PARK  MEMORIAI     Ml  M  I  M    \\|>    \l:l    GALLERY 
Situated    In    Golden    Gati     Park,    south 

in  a.  in    hi  I  p.  m.,  and  on  St 
I  l    \  ..ii   .ill.  r   at    l  Ighth 
the    Musii     Stand,    p 

I.        I  he    Mils,  mil    is    in    II 

H    you  enter   from  Ihr  <■ 

an. I  pass  under  th- 


SAN   FRANCISCO  — THE   FINANCIAL,  COMMERCIAL  and 
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GOLDEN    GATE    PARK    MEMORIAL    MUSEUM    AND    ART    GALLERY  — 
Continued 

to  the  public  spirit  of  the  people  of  San  Francisco.  It  has  never  had  a  purchasing 
fund,  and  yet.  beginning  as  a  small  collection  bought  with  proceeds  of  the  California 
Midwinter  International  Exposition,  held  in  the  Park  in  1894,  it  has  grown  by  loan 
and  gift  until  it  comprises  works  of  art  and  specimens  of  the  crafts  valued  at  many 
million  dollars,  and  relics  and  documents  that  are  beyond  all  price.  It  has  a  large 
natural  history  collection.  Its  art  gallery  contains  authentic  works  by  Leonardo  da 
Vinci,  Dupre,  Daubigny,  Millet,  and  copies  of  some  fine  works  of  old  masters.  A 
history  <>1'  San  Francisco  could  almost  be  written  from  the  contents  of  its  Pioneer 
Hall,  brought  together  by  the  industry  of  the  curator,  Professor  George  H.  Barron. 
There  are  priceless  collections  of  ancient  Oriental  carvings.  There  are  relics  of 
Napoleon  that  cannot  be  found  elsewhere.  There  are  ethnological  exhibits  from  the 
South  Pacific  and  from  Alaska  that  could  hardly  have  been  collected  in  so  short  a 
time  at  any  other  city  than  this  focus  of  Pacific  trade.  Three  thousand  people,  at 
this  writing,  are  visiting  the  building  on  weekdays,  and  over  25,000  on  Sundays. 
The  Natural  History  collection  is  in  the  upper  galleries.  Don't  fail  to  see  the  cases 
of  butterflies,  moths  and  birds.  To  the  right,  on  the  ground  floor,  are  the  Colonial 
Rooms,  and  to  the  left  Pioneer  Hall,  with  portraits  and  mementoes  of  the  pioneers, 
and  with  a  complete  set  of  paintings  of  the  Missions  of  California.  Statutary  Hall 
contains  some  beautiful  sculptures  by  Randolph  Rogers  and  W.  W.  Story.  The  latter's 
"Saul"  is  much  admired.  In  the  Church  Room  are  carvings,  shrines,  tabernacles 
anil  a  slipper  of  Pope  Pius  IX.  The  Basket  Room  contains  a  great  collection  of  Indian 
basketry.  The  Mineral  Room  is  extremely  interesting,  as  one  would  expect  in  the 
leading  mining  state.  The  Art  Galleries  contain  fine  portrayals  of  California  sub- 
jects, by  such  local  artists  as  Keith,  Thomas  Hill,  Gamble,  Cadenasso,  Julian  Rix, 
Theodore  Wores,  Lucia  Matthews,  Arthur  Matthews,  Xavier  Martinez,  Charles  Rollo 
Peters,  Oscar  Kunauth,  M.  Evelyn  McCormack,  Joseph  Raphael,  E.  G.  Stanson,  Piazzoni, 
Tavernier,  Neuhaus,  Jules  Pages  and  many  more  who  found  a  peculiar  stimulus  in 
California  conditions  and  scenes.  The  room  farthest  west,  of  the  art  galleries,  con- 
tains some  celebrated  canvases — "A  Saint  at  Prayer,"  by  Leonardo  da  Vinci;  a  land- 
scape by  Charles  Francois  Daubigny,  and  a  "Twilight"  by  Jules  Dupre,  and  between 
them  hangs  a  painting  of  sheep  by  Jean  Francois  Millet.  There  are  fine  tapestries 
and  ancient  furniture  in  the  Tapestry  Room.  The  Armour  Room  illustrates  the 
evolution  of  modern  arms,  and  some  of  the  antique  armor  here  is  very  beautiful. 
Oriental  Hall  contains  some  of  the  most  curious  and  beautiful  objects  to  be  found. 
In  addition  to  exquisite  Chinese,  Japanese  and  East  Indian  works  of  art,  there  is  the 
lacquered  saddle  presented  by  the  Mikado  to  General  Grant;  and  high  on  the  south 
and  west  walls  an  object  of  great  interest  and  affection  to  San  Franciscans:  the  great 
Chinese  processional  dragon  borne  in  parades  and  festivals  on  the  heads  of  half  a 
hundred  swaying  Chinese,  before  the  days  of  the  Chinese  Republic.  Its  last  appear- 
ance was  in  the  Portola  parade.  Egyptian  Hall,  Textile  Hall,  and  the  room  devoted 
to  Ceramics  are  all  very  interesting.  The  Royal  Bavarian  Pavilion  contains  the 
Jewel  Hall,  the  ceiling  of  which  is  modeled  on  one  in  the  royal  palace  at  Munich.  The 
carved  rock  crystals,  oriental  jade  scepters  and  dagger  handles,  and  other  bits  of 
art  work  are  no  less  than  fascinating.  At  the  entrance  to  the  Napoleon  Boom,  which 
contains  many  authentic  relics  of  the  Emperor,  is  the  gold  medal  presented  to  San 
Francisco  by  the  Republic  of  France  to  commemorate  the  rebuilding  of  the  city. 

(.OAT   ISLAND  or  YERBA  BUENA  — 

Named  by  the  Spaniards  for  the  "good  herb"  (Verba  Buenal  abounding  on  the  island. 
Later  vessels  entering  the  bay  turned  loose  there  superfluous  goats  originally  bought 
for  fresh  meat.  Breeding  largely  increased  their  numbers  and  gave  the  island  its 
second  name.  There  are  350  acres,  and  the  United  States  Naval  Training  School  is 
located  there,  also  a  lighthouse  and  fog  signal. 

GREAT  HIGHWAY  or  OCEAN  BOULEVARD  — 

At  the  western  end  of  Golden  Gate  Park,  extending  south  along  the  Pacific  Ocean 
from  the  Cliff  House  to  Cake  Merced  and  the  San  Mateo  County  line,  a  beautiful 
driveway  in  a  straight  line  of  three  miles. 

IIKARST  GREEK  THEATRE  — 
Sec  University  of  California. 

HOME  INDUSTRY  LEAGUE  OF  CALIFORNIA  — 

See   Commercial   Organizations. 
HOSPITALS  AND   SANATORIA  — 

San  Francisco,  since  early  days,  has  taken  high  rank  for  the  skill  of  its  physicians 
and  the  quality  of  its  medical  and  surgical  facilities.  Dentistry  and  oral  "surgery 
have  been  brought  to  a  high  stage  of  development.  Persons'  requiring  surgical 
operations  come  to  San  Francisco  from  the  entire  west  coast  of  North  and  South 
America.  Fine  hospital  buildings,  new,  sanitary,  and  with  every  modern  appliance, 
have  been  erected  in  large  numbers  since  the  fire,  and  under  the  building  laws  of 
the  city  are,  of  necessity,  of  the  best  modern  steel  and  fireproof  construction.  These 
are   among   the    lending    institutions: 

ABLER   SANATORIUM-  -Northeast   corner  of  Van  Ness  avenue  and   Broadway. 

CHILDREN'S    HOSPITAL        Alexander    Maternity    Cottage,    Training    School    for    Nurses. 
At   3700    California    street,   coiner    of    Maple. 

104 


SAN   FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFK     COAS1 


HOSPITALS  AND  SANATORIA       Continued 

CITY   AND  COUNT)    HOSPITAL       Occupies   the  block   I i  | 

Twenty-second,  Twenty-third   and    Vermonl    streets.     This    i 

construct,  is  entirelj  new,  and  is  probabl)  the  Bnesl  munii  !| 
FLORENCE  N.   WARD   si\  i  TORIl  M       At    1195   Bush  sti 
FRENCH  HOSPITAL       "Maison  de  Sante  de  la  S 

Geary  streel   (Point   Lobos  avenue)   between  Fifth  and  si\ti, 
GERMAN  HOSPI1  w        Fourteenth  and  N-.<-  streets. 
HAHNEMANN,    HOSPITAL       Northeasl   corner  "i    I  and   Maplt 

LANE  HOSPITAL       Claj    and    Webster  streets  linical    and 

lories  under  direction  ol  Ihe  medical  departmenl  •  •!  Leland  Stanford 
LETTERMAN    GENERAL    HOSPITA1         United    States     \x 

tion.     This    is    ihe    largest    American    arm)    hospital I    cost    .,; 

million    dollars.      There    is    bed    capacitj     for    500,    and    the    accommiMl 

expanded  to  take  care  of  1, 

McNUTT  HOSPI1  IL        \t    1055  Pine  street,  between  Jones  and  Taylor. 
MORTON  HOSPITAL       At   775  Cole  street.     Employes  ol    Lh<     Uchli 

Fe  Railway  needing  h'>si|>t;ii  services  In  S:m   I 

MOUNT  VM>\    HOSPITAL       At   2341    Sutter   street,   near   Divisadero.      \    nev 

in  course  "i   construction  :it   I'^st  and  so.it   streets. 
ST.  FRANCIS  HOSPITAL       Hush  and   Hyde  streets. 

ST.  JOSEPH'S  H0SPI1  w        Park  Hill  and  Buena  Vista  avenues.     I Iu< 

ciscan   sisters  of  the  Sacred   Heart. 

ST.  LUKE'S  HOSPITAL       Twenty-seventh  and  Valencia   streets. 

ST.    MARY'S   HOSPITAL       Hayes   and    Stanyan    streets,   opposite    th<    east    end 

Gate  Park.     Conducted  1  »>   the  Sisters  ol   Mercy. 
ST.  WINIFRED'S  HOSPITAL       At   1065  Sutter  street,  between  1 1  > 
SOUTHERN  PACIFIC  HOSPll  IL        \t    Fell  and   Baker  streets.     I  tclusivi 

of  the  Southern   Pacific   Railroad.     <»m-  "i   the  besl   railroad  hospitals  ■ 
TRINITY  HOSPITALS       At   1500  Page  street,  corner  ol    Masonic  avenue. 
UNITED    STATES    MARINE   HOSPITAL       On    the    Marine    Hospital 

Ihe    Presidio   of    s;m    Francisco.      For    the   care   and    treatment    • 

merchant  marine. 

UNIVERSITY    OF  CALIFORNIA    HOSPITAl        Second  and   Parnassus  avenui 
lu>s|)it:il  of  the  Affiliated  Colleges  "i   the  L'niversltj    •  >!    Call  fori 

Five  emcrgencj    hospitals  are  maintained  bj   the  municipality    in  d 
the  city.     Thej   are  located  :is  follows: 

CENTRAL  EMERGENCE    HOSPITAL        Stevenson  street,  near  I  Ighth. 

HARBOR  EMERGl  V<  1    HOSPI1  \l        No.  7  i  laj   sti 

MlSSIOh    I  Ml  m. I  V<  I    HOSPll  1/        Twenty-third  street  and   i 

PARR    EMERGl  V(  \    HOSPll  \l        Stanyan  street   near   Waller,  close  la  th<    n 
entrance  t"  Golden  Gate  Park, 

POTRERO  I  Ml  in. I  V<  I    HOSPll  II         1152  Kentuck)   sti 

HOTELS  — 

The   hotels   "i    sjhi    Francisco  arc  among   1 1 » •-   Bnesl    in   Ihc    world       I 

<iii«i<M.  >    ..i   service  thej    have  never   been  excelled       i 

1 1  iwntown  sect  inn  of  the  city,  for  the  Ore  "i   1900  burned  out 

with   the   result    that   ;ill   "i    then w    existing   th 

decorated  and   rurnished.     In  the  cheapest  •  >!   them  

There  are  more  k< >< >< t   r s    In   second   "i    even   third  class 

than   in  an]   other  city.     San   Francisco's   renowned   old   li 

the  Are,  and  general!)   speaking  are  conducted  undrr  n 

The  Paiace,  built  bj   William  ■     Ralston,  w.is  known  .hi  ovi 

Palm  Couii    was  a  splendid  glass-domed   spaci    HI   b)    iii 

an  Inner  gal lor j   al  everj    floor,  and  with  ;i  hugi    palm  In  tin 

of   it.  as   Kipling  s.iui   ol    the   India   Docks,  that    II 

could   see  anybodj    you    wished.      Merel)    to   take   down    It 

over   t'0,000,  and    ii    is    no«    rebuilt    In   steel 

and   beautlfull)    appointed    In  everj    partlculai        1 1 » -    Palm 

tiinl  than  before,  and  .>   ravorlti    rendezvous.     In  tin    hai    Is   Maxl 

decoration,  the  "Pled   Piper  oi    Hamelln." 

FAIRMON1       «>n   the   summit   ol    Nob   Hill;    repi 

\  n«    ..\  er   the  baj    it    is   the  permanent 

Norman  caM  bids  fall    to  i ne  almost  .is   I 

lion  I     ST.    FRANCIS       It    «.is    burned   oul    bj    Ihi 

walls  hardl)   had  time  to  I   befori    b   \  .<■■■  . 

mantled    White  and   Gold    room   I 
one  tiinls  the  last  reflnemenl  "t   p< 

s  /  /  u  \i;i       This    is   another   One   hosteli 

Plaza,   the   Cadillac,   tin    Herald,   thi    Sutter,   tin 
Impossible  to   mention   them   all,   for   tins    is 
proportion    lo    population,    having 
houses,  90  per  cent  ol  them  new.     ITii    folio* 
Hotel   Men's    lsso<  ial  Ion  : 


SAN   FRANCISCO       THE  FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFH     COAS1 


HOTELS-     Continued 


Hon  i  - 


Adrian 

\li  a/ar 

UtS      

Antlers 

Argonaut     

Arlington       

Atlanta 

\il.,s 

Baldwin       

Baltimore 

Bellevue 

Belmonl         

Bereaford       

Boyd 

Brealin 

Bristol 

Cadillac         

( Salifornia 

(  larllon 

Clifl 

Colonial     

( loloniaJ  Annex 

( iolumbia   

( longress      

( ;.ini  inental 

( iornell 

( '.ourt 

Dale  

Dorchester 

l\s.si-\ 

Fairmont 

Glen  

( Soldeu  \\  est 

( Soodfriend 

i  rranada 

<  iruml 

Grand  Central 

Grand   I   nioii 

Granl  

( J  ray stone 

Hamlin  

Harcourl        

liars  aril  

Henry 

Her;, 1.1 

Herbert's  Bachelor 

Holland    

Imperial        

Inside  Inn   

1  r  w  i  1 1     

Key  stone     

King  i  Seorge 
Knickerbocker 
I  ankershim 

Larne  

Lincoln 

Majestic 

Mans 

Minster 

Marls 

Maryland 

Merlin 

Normandie 

( Accidental 

Orpheum   Vnnex 

Paisley 

Palace 

Pembroke 

Rand 

Regent 

Reno 

Robins 

Richelieu 

Roehampton 

Rosalyn 

S.is  I  '\ 

Seneca 

Sequoia 

Shasta 

Seabi  'iril 

Sorrento 

Stanford 


\|.|ilil  BS 


Stewart  ■'•  I  Ge  irj 


I  .1.1%  and  Hyde 

•  I   ,,,.  II 

165     I  In,, I 

I I  1   I - 

I  '.in  i h  neai  Market 

I  Hi     umI  i  .i.i \  enwi 'i  i  b 

,  nil, 

umI  Fourth 
821  i  Srant    \  .■ 
mi.',  \  ,n  Nest   \  •  •  nue 
Taylor  and  <  Seai ) 
730  I  ..l.l> 
Sutter  and  Mason 

I I  Jones 
863  Hush 

1 5  58  Sutter 
180  Eddy 

<  ialifoi  ,,i-i  and  1 1  yde 
545    Turk 

( Seary  and  Taylor    building 
650  Bush 
117  Stockton 

<  I'Farrell  .,,,'1   I  lyloi 
i  590  I  II,- 

i  M  Ellis    .  . 
715  Bush 
555  Bush 

Turk  near  Market 
I  is:  Sutter 
Ellis  and  Larkin 
California  and  Mason 
Mason  and   Turk 
Powell  and  Ellis 
Powell  near  <  Seam 
Suttei  and  Hyde 
rayloi  and  lurk 
1418  Market 
5  !8  Kearny 
:  58  Bush 
u  \ 
I  ddj  and  Leavenworth 
Sutter  and  Larkin 

,"i  \r>   .lours  

106  Sixth 

Jones  .'1111  Eddy 

i:. i  Powell 

161  Ellis 

051  Eddy 

Fair  Grounds    buil 

Fourth  and  M  i 

54  Fourth 

I    i  Ma 

55  Fifth 
110  I  lib 

1 16  Market 

1500  Suttei 

Powi  ll  and  " >  I  am  11 

3  i  .■  Mason 

s;    II,,,. I 

i ,.  ,,  )    ,i,,|   I  lyloi 

I  ll, .   ,,,,1  Powell 

Sutter  and  '  Sough 

175  1  i,n,l 

ll . .  ,  i  I  arrell 

.    urj 
M  ,,k.  i  and  Montgomery 
i  md  Ellis 

I    Idy 

56  ■  Sutter 

Lh 

711    PoSl 

\  .in  Ness  and  Sul  tcr 
110  Golden  Gate   Vvenue 
I  ddj  and  I  ea>  enworUi 

\  .,,,  Ness  and  I  Ilia 
Sixth  and  Market 
Jones  and  < '  I  ai  n  ll 
51  I  Ke  irnj 

,!,.,,,     1,1. To 

164  <  I  I  .irr.ll 
U  u\ 


No 

i  ■ 

Kmt  i , 

50 

1 16 
160 


I  50 
luu 
196 


100 


eoo 

in 

150 

luu 
luu 
150 

I  50 
I  U 

1 10 

i,„, 
168 


luu 


t   ip 


i  mi  ap 

i  p 


u  ,,,. 
0  up 


. 


I 


,,,, 


"1 

"I 
"1 
"1 

"1 

"1 

>'l 

"1 

"1 

"1 

"1 

"1 

■'1 

107 


SAN  FRANCISCO  — THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 


HOTELS  —  Continued 


Hotels 


Address 


Strand 415  O'Farrell 

Stratford I    242  Powell 

Stratton 570  O'Farrell 

St.  Cecile \    115  Fell 

St.  Francis  Powell.  Geary  and  Post. 

Si .  <  ieorge  |    1259  Market 

St.  James.        523  Van  Ness 

St.  Regis j   Third  and  Mission 

Sussex i    701  Sutter.  . 

Sutter 

Tallac 
Terminal 

Thomas 

Turpin 

Union  Square 

Victoria 

Von  Dorn 

Warren 

Washington 

Wellington 

Winchester 

Winchester  Annex  .     . 

Wiltshire 

Yorke 


Sutter  and  Kearny 

1+0  Lllis 

(ill  Market 

971   Mission 

17  Powell 

Post  and  Stockton 

Bush  and  Stockton 

242  Turk 

459  Turk 

(  ii  :ml    \\ ■eniie  and   Hush 

610  (ieary 

76  Third 

50  Third 

340  Stockton 
1499  California. 


No. 
Rooms 


100 
100 

50 

75 
900 

56 
166 
150 

70 
2:!  4 
152 
300 
160 
225 
126 
165 
165 
104 
156 
115 
:!75 
150 
120 
100 


American 
Plan 


European 
Plan 


$3.00  up 


ML  75  up 
1.00  up 

.75  up 

.75  up 
2.00  up 

.50  up 
1.00  up 
1.00  up 
1 .00  up 
1  .  50  up 
1.00  up 
1 . 00  up 

.75  up 
1  . 00  up 
1.00  up 
1 . 00  up 
1  .00  up 

.50  up 
1 . 00  up 
1 .00  up 

.75  up 

.75  up 
1 . 00  up 
1.00  up 


ITALIAN  QUARTER  — 

Extends  from  vicinity  of  Broadway,  Kearny  street  and  Columbus  avenue  up  the  slopes 
of  Telegraph  Hill.  The  neighborhood  is  thickly  tenanted,  mostly  with  Italians,  and 
quite  a  number  of  Spaniards,  Greeks  and  Mexicans  are  in  evidence.  The  whole 
quarter  is  reminiscent  of  Southern  Europe  and  European  languages  are  mostly  in  use. 


LIBRARIES  — 

San  Francisco  has  some  notable  libraries  and  facilities  for  historical  and  scientific 
research.  It  has  the  finest  medical  library  in  the  West,  a  Polish  library,  the  largest 
French  library  in  the  United  States,  and  just  across  the  bay,  at  the  University  of 
California,  in  Berkeley,  an  important  reference  collection  of  300,000  volume,  including 
the  famous  Bancroft  library  of  original  historical  documents  and  sources  of  history 
for  California  and  the  Pacific  Coast. 

BOOKLOYERS  AND  TABARD  INN  LIBRARIES  —  At  20  Geary  street,  near  Market.  It  is 
a  circulating  library  of  late  fiction.  About  10,000  volumes.  The  Tabard  Inn  Library 
is  conducted  at  the  same  place. 

BIBL10THEQUE  FRANCAISE  —  126  Post  street,  over  the  Pig  'n'  Whistle.  Largest  collec- 
tion of  French  books  in  this  country.  Before  the  fire  it  had  25,000  volumes,  and  now 
nearly  12,000.  Free  to  visitors,  and  on  the  tables  will  be  found  the  leading  French 
magazines    and    newspapers. 

CALIFORNIA  STATE  MINING  BUREAU  LIBRARY  and  JOHN  HAYS  HAMMOND  PUBLIC 
MINING  LIBRARY  —  In  the  offices  of  the  State  Mining  Bureau,  Ferry  building,  foot  of 
Market  street.     Open  to  the  public;  free. 

LEVI  COOPER  LANE  LIBRARY  OF  MEDICINE  AM)  S URGER Y  —  Webster  and  Sacra- 
mento streets.  This  is  the  library  of  the  Department  of  Medicine  of  Lei  and  Stanford 
Junior  University.  It  is  the  largest  medical  library  west  of  Chicago,  and  the  largest 
university  medical  library  in  the  United  States,  containing  10.000  volumes  at  present. 
The  building  is  a  five  story  structure,  dedicated  in  November,  1912,  with  the  most  im- 
proved equipment,  and  capacity  lor  120.000  books.  In  the  reading  room  are  some 
very  beautiful  mural  paintings  by  Arthur  Matthews.  The  library  was  founded  and 
the  building  erected  with  funds  provided  by  Dr.  Levi  Cooper  Lane  and  Pauline  C. 
Lane,  his  wife. 

LIBRARY  OF  THE  BAR  ASSOCIATION  —  Pacific  building,  Market  and  Fourth  streets. 

LIBRARY  OF  THE  COMMONWEALTH  CUB  —  At  153  Kearny  street.  A  good  and  grow- 
ing collection  of  publications   on  political,   economic   and   sociological   questions. 

LIBRARY  OF  GENEALOGICAL  SOCIETY  OF  CALIFORNIA  —  In  the  Green  Room  of  the 
Fairmont  Hotel,  first  floor,  at  California  and  Mason  streets.  A  reference  library  for 
members  only;  between  three  and  four  hundred  volumes  on  biographv,  genealogy 
and  history. 

LIBRARY  OF  LELAND  STANFORD  JUNIOR  UNIVERSITY  —  At  Palo  Alto,  Cal.  The 
library  has  17o,00()  volumes  and  is  growing  at  the  rate  of  about  15,000  annually. 
Founded  in  1891. 

LIBBARY  OF  THE  POLISH  SOCIETY  OF  CALIFORNIA  At  2091  Fifteenth  street.  About 
500  volumes   in   Polish   and  English. 

LIBRARY  OF  THE  UNIVERSITY  OF  CALIFORNIA  —  At  Berkeley,  across  the  bay.  This 
library   contains   about   300,000   volumes,   and   grows   at   the  rate   of   15,000   a    year.      The 

108 


SAX   FRANCISCO  — THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 


LIBRARIES  —  Continued 

new  library  building  is  a  particularly  beautiful  composition  of  white  California 
granite,  recently  completed  at  a  cost  of  about  $600,000,  from  funds  bequeathed  1a 
Charles  F.  Doe  of  San  Francisco.  With  its  equipment  the  plant  represents  an  invest- 
ment of  over  §850,000.  The  main  reading  room  is  the  second  largest  in  the  United 
States.  Here  is  also  the  Bancroft  Library  of  California  and  Pacific  <  ":ist  History. 
This  famous  collection  of  books,  pamphlets  and  original  documents  is  boused  in 
the  same  building  with  the  Library  of  the  University  of  California,  just  to  the  left 
as  you  enter.  On  its  accumulation  the  historian  Hubert  Howe  Bancroft  of  San  Fran- 
cisco expended  over  $400,000,  and  it  is  likely  to  remain  l'nr  a  long  time  the  prin- 
cipal source  of  information  for  students  of  the  history  not  only  of  California  and  the 
Pacific  Coast,  but  of  many  other  countries  bordering  on  the  Pacific.  There  are  about 
50,000  volumes. 

MECHANICS'-MERCANTILE  LIBRARY  —  At  57  Post  street,  in  the  Mechanics-  Institute 
building,  between  Montgomery  and  Kearny  streets.  The  Mechanics-Mercantile  is 
next  in  point  of  popularity  to  the  Public  Library,  having  been  formed  bj  the  merger 
of  two  local  institutions  that  were  rooted  in  the  life  of  the  city  in  early  days.  Its 
chess  room,  a  favorite  resort  of  many  pioneers,  is  headquarters  for  the  Mechanics' 
Institute   Chess    and    Checker    Club. 

PAUL  ELDER  LIBRARY  —  At  239  Grant  avenue,  in  the  rear  of  the  boob  store  of  Paul 
Elder  &  Co.     A  library  of  late  fiction. 

PHOTOGRAPHIC  LIBRARY — See  California  Camera  Club,  under  "Clubs  and  Organi- 
zations." 

SAN  FRANCISCO  LAW  LIBRARY  —  Fourth  floor  temporary  City  Hall.  Eighth  and  Market 
streets.  A  tree  circulating  and  reference  library  of  27,tHiii  volumes,  supported  bj 
municipal  appropriation,  and  fees  paid  by  litigants  on  suits  filed  in  the  Superior  Court. 

SAN  FRANCISCO  PUBLIC  LIBRARY  —  Has  its  main  collection,  reference  and  reading 
room  in  a  temporary  building  at  Hayes  and  Franklin  streets,  but  is  to  occupy  a 
monumental  public  building  in  the  Civic  Center.     It  contains  about   135,000  volumes. 

LINCOLN  PARK  AND  FORT  MILEY  — 

Lincoln  Park  is  a  part  of  San  Francisco  situated  on  the  heights  above  Land's  End, 
and  northeast  of  Point  Lobos  and  the  Cliff  House,  and  from  an  elevation  "1  2m> 
feet  it  commands  a  close  view  of  all  the  wonderful  features  of  the  harbor  entrance. 
Part  of  these  airy  uplands  have  been  laid  out  by  the  city  for  public  golf  links.  Lincoln 
Park  was  once  the  city  cemetery,  and  considered  so  tar  removed  from  the  citj  that 
it  was  given  over  largely  to  the  burial  of  the  poor,  and  of  a  lew  foreign  sailors. 
Here  the  Chinese,  also,  gave  their  dead  temporary  interment,  before  shipping  home 
the  bones  to  lie  in  the  soil  of  the  Celestial  Kingdom.  West  of  the  golf  course  are 
two  curious  structures  of  brick  and  cement,  forming  enclosures  open  to  the  sky, 
with  high  walls  at  the  west  ends.  They  look  like  stone  beds  tor  giants.  These  were 
the  morturary  chapels  where  the  Chinese  held  their  final  funeral  rites,  offering  the 
sacrifices  of  roast  pig  and  fowl,  and  burning  the  paper  images  whose  ghosts  were 
to  attend  the  dead. 

On  a  hill  toward  the  north  stands  a  monument,  "A  Landmark  of  the  Seaman's  Last 
Earthly  Port  and  Resting  Place,  in  Which  He  Awaits  the  Advent  of  the  Great  Pilot." 
It  was  erected  by  Dr.  Henry  1).  Cogswell,  to  the  Ladies'  Seaman's  Friend  Society, 
and  dedicated  to  Mrs.  Rebecca  H.  Lambert,  the  society's  founder,  whose  grave  is 
under  the  cypresses  nearby.  From  the  turn  in  the  road  just  west  of  this  monument 
is  one  of  the  most  inspiring  views  to  be  found  anywhere,  embracing  the  Golden  Gate 
and  a  large  part  of  the  city.  You  are  close  to  the  water,  and  directly  opposite  the 
Marin  County  bluffs,  which  rise  three  hundred,  four  hundred,  nine  hundred  feet. 
sheer  from  the  waters  of  the  Golden  (.ate,  and  have  been  eroded  into  rugged  canyons 
and  sharply  sculptured  ridges.  You  can  look  north  to  Drake's  Bay,  and  then,  turning 
to  the  right,  you  see  Point  Bonita,  the  north  headland  of  the  harbor,  Point  Diablo 
directly  across.  Lime  Point  with  Battery  Spencer  on  the  bluff  above,  the  mile-wide 
opening  of  the  ('.olden  (late  between  Lime  Point  and  Fori  Winfleld  Scott,  and  through 
the  Gate,  Raccoon  Straits,  leading  into  the  northern  part  of  the  bay,  and  Angel 
Island  to  right  of  the  channel.  Stretching  back  from  the  little  brick  fort  are  .In 
scarred  bluffs  of  the  Presidio,  against  whose  wooded  heights  are  ranged  th( 
defense  batteries,  though  indistinguishable  at  this  distance.  Par  beyond  are  the 
Contra  Costa  hills,  across  the  bay.  still  farther  to  the  right  appears  Lone  Mountain 
with  its  cross,  (he  towers  of  St.  Ignatius  Church,  the  heights  of  Poena  Vista  Park,  the 
Affiliated  Colleges  on  the  slope  of  Mt.  Sutro.  and  before  the  college  buildings  the 
long,  dark  lane  of  verdure  running  westward,  which  is  Golden  (.ate  Park.  \  bit 
beyond  the  line  of  the  Affiliated  Colleges,  and  in  the  Park,  rises  the  Prayer  Book  I  r.'ss. 
commemorating  the  firsl  religious  service  ever  held  on  the  Pacific  Coast  thai 
conducted  by  Drake's  chaplain  in  1579  on  the  shore  ..I  the  little  bav  that  appear 
dimly  in  the  north.  Lincoln  Park  is  in  process  of  deevlopment,  but  when  connect 
With  Golden  Gate  Park  and  the  Presidio  bv  good  cads  it  will  be  one  of  the  lamoiis 
parks  of  the  world,  for  its  inspiring  view   can  be  matched  nowhere. 

FORT  MILEY —  On   the   heights    above    Point    Lobos    and    Land's    End,    and    west    and    smith 
of   Lincoln    Park    is    a    small    artillery    post,    established    in    1901,    and    is    headqu 
for  the   Pacific   Coast    Artillery    District.      The   views    from    the   roads   here   are   \ ,  i  v    fine 
and  commanu   the  coast    for   many   miles   to   the    northward. 

LLOYD   LAKE  — 

See  Golden  Gate  Park. 

109 


SAN   FRANCISCO  — THE   FINANCIAL.  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  0/  the  PACIFIC   COAST 


LONE  MOUNTAIN  — 

From  various  heights  the  visitor  sees,  in  the  northern  part   of  tl  ,t  on 

the  median   line  of  the  peninsula,  a   rounded   hill,   surmounted    bj    a    t.,ll    cross       On 

the  slopes  of  Lone  Mountain  many  of  the  gnat  adventurers  who  built   San 

made   their   last   camp    in   the   west.      About    it,   on   all    four   sides,    In-   tho 

gardens  of  the  dead,    Calvary,   Laurel   Hill,   and   the   Masonic   and    Odd 

tenes.      Some,   in  places,  have  gone  partly   hack   to   nature-.      Burial    in   them    wai 

hibited   by    the   Board    of    Supervisors    in    1900,    and    in    1912    tin-    Board    .1 

intention  to  order  them   vacated.      Hut   while   tiny    remain   tins    arc   worth   a   \isit    f.,r 

their  associations,  their  surroundings,  and  the  softened  and  winsome  beaut]   that  tune 

has  put  upon  them.     Lone  Mountain  rises  to  a   height   ..l    K 

avenue   on   the   north    (one   block    south    of   deary    street),   Turk    streel    ,,,,   the    south, 

Masonic  avenue  on  the   east  and    Parker   avenue   on    the   west,    within    the   quadi 

formed  by  four  old  burial  places.     It  affords  one  of  the  finest  views  "i   th< 

prospect  from  the  top  of  Lone   Mountain    is   an   almosl    unlnterruptt 

San  Francisco. 

MARE  ISLAND  NAVY  YARD  — 

Mare  Island  is  thirty  miles  from  San  Francisco,  ami  the  Journej  there  takes  ah. ..it 
two  hours.  There  is  a  one-day  excursion  from  San  Francisco,  consisting  ..!  a  si\h- 
niile  round  trip  on  the  sheltered  waters  of  the  hay.  No  visitor  should  ..nut  t..  take 
it  and  thus  broaden  his  knowledge  <>|  the  way  in  which  the  United  states  Government 
carries  on  the  biggest  kind  of  construction  work  and  keeps  its  lighting  ships  in  trim. 
These  excursions  are  personally  conducted  by  a  guide  win.  Indicates  th<  different 
points  of  interest  on  the  bay,  attends  to  getting  yard  passes  at  the  lerrj  land  - 
the  island  and  shows  visitors  about.  Mare  Island  Navj  Yard  occupies  a  strip  ..f 
shore  on  a  large  island  opposite  Vallejo,  from  which  it  is  separated  bj  the  opening 
into  Napa  Bay.  The  crossing  is  made  by  a  ferry  from  a  landing  near  that 
Monticello  Company.  The  Navy  Yard  was  founded  in  lx.'.i  and  th.  Government  plant 
represents  an  investment  of  about  $18,000,000. 

MERCHANTS  EXCHANGE  — 

See  Production  of  California. 

MILLS  COLLEGE  — 

See  Educational  Institutions. 

MINERALS  — 

See  Production  of  California. 

MISSION  DOLORES  — 

Located  on  the  west  side  of  Dolores  street,  between  sixteenth  and  Seventeenth.     Open 
every  day  from  10  a.  m.  to  5  p.  m.      This  is  San  Francisco's  onlj    verj   old  building, 
interesting  as  a  memorial  of  the  first  white  men  on  the  peninsula  and  interesting 
for  some  of  the  graves  in  the  little  vine-tangled  cemeterj    under   its  south  wall.      I  In 
Mission  was  established  in  177ii,  the  year  of  the  Declaration  of  Independenci 
of   which,    we   may    suppose,    reached    it    lor    years,    and    then    tnerelj    as    an    alia:; 

foreign  people.     Junipero   Sena   blessed   and   consecrated    it    as   tin-   northernmost   "f 
the  California  missions,  although  others   were  established   at    San   liat.nl   and   S 
several    years    afterward. 

The  building  itself  dates    from    1782.       The   walls   are   lour   feet    thick,   built   ..] 
the  sun-dried  bricks  of  the  Spanish  pioneers,  as  tin-  deep  embrasures  ol  tin-  wl 
show.      Two   circumstances    indicate   that    it    must    have    been    considered    tin-   most    im- 
portant of  the  missions;    its  main  altar   is   the   finest   among  them   all.  and    it    bears  thr 
name  of  the  founder  of  the  Franciscan  order.  San   Francisco    de   Assisi.  to   which 
had    been    entrusted    the    civilizing    of    California.        \>;ainst    the    northern    wall 
large  painted  screen,  built  in  sections,  symbolizing  the  doctrine  of  tin-  Hoi)   1  u<  '■ 
This   screen   was  placed    in    front    of   the   altar   at    the   celebration   ol    the   1  inharist. 

a  year.     Near  the  entrance,  sei   in  the  red-baked  tiles  of  the  Boor,  is  the  marble  slab 

that  marks  the  tomb  of  the  Noe   family,  Spanish  grantees  and  grand) 

"before  the  Gringo  came."     There  are  three  hells   in  tin-  facade,  hanging  b>   r-i 

plaited  rawhide;  two  an'  cracked,  and  one  has   lost    its   tongue.      I  he  ceiling  and  ceiling 

beams    retain    the   decorations    of    red    and    whit,     paint    the    Indians    put    on    them 

100   years    ago.      Within    a    short    while    alter    ils    founding   the    Mission    had    Ml    Indian 

communicants.     The   Rev.   Walter  Colton,    In    his   "Thri      \  In   California." 

that    in     1825    its    wealth    had    grown    to    76,000    head    ■•!     cattle,    950    tame    hoi 

brood    mares,   si    line   stud.   820   mules.   79,000    sheep,    '-!. hogs 

18,000  bushels  of  wheat  and  barley,  135,000  in  merchandise  and  '-.'...11011  in 

Among  the   myrtle   vines   and    tottering   willows    of   tin-   cemi 
especial   interest   for  their  association   with   San   Francisco  history.     One   is  tin-  tomb 
of  Don    Louis    Antonio    Arguello.    first    governor   of    Alia    California    under    11 
regime;    born    in    San    Francisco    in    17.:  I    and    brother    ■  ■!    th  -ucllo 

whose   sad   romance   with   the   Russian    Resanov,    Bret    Karte   and   Gertrud 

have   embalmed    in    verse    ami    story.       \nother    is    ••s.nred    to   the    nnm 

Casey,  who  departed  this  life  Ma\    J'-'.   1856;   aged   JT   years."     The 

way    discloses    the   grim    fact    that    on    that    date   he    was    hanged    1  J 

mittee  at    Fort   Gunnybags   on    Sacramento   street,   for   the  murdei 

William       \nd  another  stone  is  "Sacred  to  the  memorj 

by   the   hands   of   the   V.   I  ,    May   31,    1856,   aged    1".   years."      rhis    inscripl 

literally    true,   although    it    might    have    been,    lor   this    was    "t ankce    Sullivan.       WOI 
champion   pugilist  of  his  day,  who  sintered   the  solitude  Of    his  plank  cell   in  that 

111 


SAX   FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFK     COAS1 

MISSION  DOLORES       Continued 

Fort  Gunnybags,  and  beard  the  grim  conferences,  and  the  tnldn  . 
guards  moving  to  and  fro,  and  the  prisoners  brought  in  and  tal 
terror  bested   him  and   be  killed   himself. 

In  the  parked  space  in  front  of  the  Mission  Is  .1  bell  marking  11 
Real,  the  "Highwaj  of  the  King"  of  Spain.  It  is  the  road  ol  II  I 
the  soldiers  ol  Portola,  the  route  ol  travel  from  the  Mission  ..t 
long    way    they    came,    in    cassock    and     ill    .11.1.1.    111    cowl    all. I    morion 

sway  of  the  Cross  an. I  the  frontiers  ol  the  King,  through  the  Salii 
rev  and   up  the   San   Francisco  peninsula,  and   their  routi 
San  Gabriel,  Santa  Barbara,  San  Luis  Obispo,  s;,n   Miguel    \ 
Padua,  Soledad,  San  Carlos.  Carmel,  Santa  <  lara,  San  Juan  liuul 
many  more.     The  signboard  declares  thai  Miis  is  the  "Mission  de  l< 
to  San  Francisco  de  Assisi,  Oct.  9,  1776."     Here,  then,  we  have  thi 
and   the  beginning  of   San    Francisco,   almosl   at   the  end   ol    the   north 
the  Padres. 

MONUMENTS  AND  LANDMARKS       THE  BANK   l.\<  HANGE 

San  Francisco  is  a  citj   of  romance  and  riches  and  hence  also  ol    mo     in 
are    man)     line    ones    that    keep    alive    pride    in    the    place    and    its    stirrr  . 
Donahue   monument    at    Hush.    Batterj    and    Market    streets,    b)    tin-    ^ 
Tilden,  is  about  on  the  line  of  tin-  original   waterfront,  the  edge  "t    the  bighl    k 

as    Yerlia    Buena    Cove,    which    swepl    around    fr Montgomer) 

swung   across    Sansome   streel    between    California    and    I'm.-,   crossed    the    pavi 
surrounding  the  monument,  jnst  to  the  west  "i   the  pool,  and  ran  thi 

street    and    eastward    to    RiUCOU    Point,    the    tip    of    whieh    la)     a    litll.     ...si    ,.|     | 

of    Harrison    and    Spear    streets.      The    monument's    bold    Imager)    and    0 

lor    the   subject    of   human    labor    well    directed    are   distinctive!)     Western    in    ip 

At  Clay  and   Montgomery,  •  of  the  recent  1 3   erected  landmark  bells  that 

posed    to    indicate    the    runic    of    El    Camiiio    Real,    the    Hlghwa)     "!    Hi.      K 

old  landing  that   was  there  "when  the  watei   came  up  to  Montgon 

The   next    monument    up    Market    streel    is    Lotta's    Fountain,    presented   to   ti 
by  l.otta  Crabtree,  a  sia^e  favorite  of  earl)  days.     On  the  shaft  is  a  bi 
there  to  commemorate  one  of  those  typical!)   San  Franciscan  occasloi  - 
eve   of    1910,   when   Luisa   Tetrazzinl   sann   In   the  open   air   at   tins   p. out    ■ 

estimated    at     100,000,    out    "I     affection    tor    the    clt)     thai     had    shown    her    till 

public    appreciation.       The    fountain    dates    li is:.',         I  h,     tab 

Patigan,  the  sculptor,  was  unveiled  March  24,  1912.     This  is  tin 

recurring   open    air    music    festival.      <  hambellan,    Pasquall    and    othi 

sang  at   this  point  on  Christmas   eve   1911   and   1912,  and   Kubelik,  the   violinist 

played  here. 

At    the  corner  ol    Mason   street    is   another  g  tod    tiling   b)    Tilden,   II 
Sons    Monument.'"    dedicated    to    the    Native    S..us    ol     the    Golden    \Vl 

.lames   I).   I'helan.     It  commemorates  the  admission   "i    California   int..  thi    t 
1850.     More  of  Tilden's   work   stands  ;it   the  fool  "t    Van  \.^  avenui 
the  Masonic  Temple  building.     This  is  the  Soldiers'  Monumi 
of  San  Francisco  to  the  <  alifornia  Volunteers  In  the  Spanish 

At  Cit)    Hall  avenue  and  McAllister  streel   stands  .,i   present  ..  I 
McAllister.  "A   Leader  ol    the  (  alifornia   Hal."      It    is   |.\    M     I  all   <  union 

Marshall   Square,  opening  from  the  north  side  •  ■!    Market  lit H.  p. 

the  site  of  the   i  it>    Hall,    is  adorned   b)    the  James   Ink    Monnn 
executed    b)    Frank    Happersberger,  a    San    Francisco   sculpl    i        Phis 
trays,   in   relief,  Western   life  and    Illustrations  ol   California   hlsl 

street     side    ol     the    Lick     II  ion  mil.  lit     is    a    highl)     ' II  liallieiited     I 

the  Spaniards  at   Santiago  .I.-  «  uba.     One  •■!   the  rlevationa  beyond  tin 
street,    known   as    Mounl    Olympus,    is    surmounted    bj 
erected  b)   the  late    ^dolph  Sutro. 

Golden  Gate  Park  contains  man)   Hue  statutes.      \  monument  !••  \\  I 
represent  inn   "Peace,"   the   work   "i    Robert    i      Vltkcii 
Panhandle.      ^nether   to    Francis    Scotl    K.\.    authoi    ol    lh< 
jnst    to    the   s. .uilie. ist    ..i    the    Mush    <  oncourse,    w 
composition  ol  the  late  \V.  W.  Story,  the  famous    I 
l,\    Douglas    t  ii.leu  attracts  much  attention.     Seal    it   li 
m    I  ail  i  ummings. 

Major  General    Henr)    W.    Halleck,   who   w.is   nrtiiif 
li,,-   militarj    occupation   "t    earl)    days   -n\>i    who    I 
United   siai.s    Vrm)    from    1802   to    1864,    is   ■ 
rades.     There    is   also   •>    bus!    "t    tleneral    Granl    i 
bronze  ol  Thomas  Stun    King,  the  s.m  I 
ol    the  t  niou  during  the  <  Ivil    War.   ii.  t   onl>    In   i 
li  is  b)   the  famous  sculpt,  r  l>.  <  .  I  rench.     Junipi 
,,i  the  I  alifornia  Missions,  is  r  commanding  tlgun       II 
II, ere  is  the  Goethe  and  Schiller  monument,  b)    Lnurhl 
on    the    height,    designed    bv    I  in.  st    Coxhrad 
religious  service  on  thi   .  "..st .  the  monument 
the  Viik    Press,   by  Thomas  Shields  ( 
enjo)  able  lots  ,,i   humor  In  the  Pai  k. 

ii,    Stevenson  monument   In  Portsmouth  Squn 
and   bearing  on   ds   face  the  quotation   from   ins   i 
general,  ol   Bruce  Porter,  ■  San  I  i 

1 1  3 


SAN  FRANCISCO  —  THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 


MONUMENTS  AND  LANDMARKS  —  Continued 

Piper.  This  was  the  first  monument  ever  erected  to  the  author,  whose  memory  San 
Franciscans  have  taken  to  their  hearts  since  his  sojourn  here  as  of  one  of  their  native 
sons.     The  inscription  reads: 

To  Remember  Robert  Louis  Stevenson — To  be  honest,  to  be  kind,  to  earn  a  little^ 
to  spend  a  little  less — to  make  upon  the  whole  a  family  happier  for  his  presence — to 
renounce  when  that  shall  be  necessary  and  not  be  embittered — to  keep  a  few  friends, 
but  these  without  capitulation — above  all,  on  the  same  grim  condition,  to  keep  friends 
with  himself— here  is  a  task  for  all  that  a  man  has  of  fortitude  and  delicacy. 

Portsmouth  Square  was  one  of  Stevenson's  loafing  places.  Here  he  found  interesting, 
bits  of  the  city's  life  and  human  character,  while  enduring  his  poverty  with  just  that 
fortitude  of  which  the  stone  now  speaks  and  "keeping  friends  with  himself  on  the 
same  grim  condition"  that  he  laid  down  the  others. 

In  Washington  Square,  between  Union  and  Filbert,  Stockton  and  Powell  streets,  is 
one  of  the  series  of  Cogswell  monuments,  with  a  statue  of  Benjamin  Franklin.  A  fine 
thing  by  M.  Earl  Cummings  is  the  bronze  figure  of  the  old  man  drinking  from  his 
hand  at  the  pool  in  the  little  triangle  of  green  cut  off  from  this  park  by  the  slant  of 
Columbus  avenue.  In  Union  Square  the  Dewey  Monument,  San  Francisco's  Column 
of  Victory,  by  Robert  I.  Aitken,  celebrates  the  battle  of  Manila  Bay. 

In  the  downtown  section  of  the  city  so  few  old  landmarks  survived  the  fire  that 
those  which  did  escape  are  the  dearer  for  their  rarity.  There  were  some  residences 
on  Russian  Hill,  some  old  houses  in  the  Fort  Mason  military  reservation,  in  one  of 
which  Senator  Broderick  died  of  the  wound  he  received  in  a  duel  with  Judge  Terry 
in  1859;  the  Appraisers'  building  on  Sansome  street  between  Washington  and  Jackson; 
the  old  Parrott  building  at  the  northwest  corner  of  Montgomery  and  California 
streets,  built  in  1852,  of  granite  shaped  and  squared  in  China  and  put  up  in  San 
Francisco  by  Chinese  workmen;  the  Temple  Emanu-El,  on  Sutter  street,  whose 
towers  once  bore  the  turnip-shaped  Oriental  domes  that  became  a  sort  of  insignia 
of  San  Francisco  in  every  typical  picture  of  the  city ;  St.  Francis'  Church  at  Columbus 
avenue  and  Vallejo  street,  built  in  1859,  and  "Old  St.  Mary's"  at  California  street  and 
Grant  avenue,  built  in  1854.  "Old  St.  Mary's,"  as  most  San  Franciscans  affectionately 
call  it,  is  the  oldest  church  edifice  in  the  city,  except  the  Mission  Dolores.  It  suc- 
ceeded St.  Francis'  Church  as  the  cathedral,  and  was  the  scene  of  the  labors  of  Arch- 
bishop Alemany,  whose  portrait  appears  in  one  of  the  stained  glass  windows  of  the 
vestibule,  opposite  that  of  Padre  Junipero  Serra.  Here  the  fine  copy  of  Murillo's 
Immaculate  Conception,  flanked  by  a  St.  Michael  and  an  Annunciation,  help  produce 
a  most  devotional  asmosphere,  just  where  the  commercial  part  of  the  city  meets  the 
Chinese  quarter. 

On  Nob  Hill,  in  California  street  between  Mason  and  Cushman  streets,  is  the 
brownstone  mansion  that  formerly  belonged  to  James  C.  Flood,  the  Comstock  million- 
aire. Somewhat  enlarged,  it  is  now  the  spacious  and  beautiful  home  of  the  Pacific 
Union    Club. 

Besides  these,  there  is  the  Montgomery  block,  on  the  east  side  of  Montgomery  street, 
between  Merchant  and  Washington,  which,  through  some  strange  freak  of  the  air 
drafts,  entirely  escaped  the  flames.  It  dates  from  1853,  having  been  built  by  the  law 
firm  of  Halleck,  Peachy,  Billings  &  Park.  The  first  named  member  of  the  firm  be- 
came distinguished  later  as  Major  General  Henry  W.  Halleck,  the  original  of  the 
statue  in  Golden  Gate  Park. 

Coppa's  restaurant,  with  its  black  cats  and  Bohemians  on  the  walls,  and  other 
vagaries  of  the  artists  that  foregathered  there,  was  in  the  southern  or  Merchant  street 
corner  of  the  Montgomery  blocks.  And  in  the  northern  corner  still  remains  one  living, 
organic  relic,  not  merely  of  the  city  that  was,  before  the  great  fire  of  1906,  but  of  the 
older  mining-camp  city  of  the  "fifties" — the  Bank  Exchange  saloon,  with  its  old 
steel  engravings,  its  pavement  laid  in  1852  of  marble  slabs  that  came  around  the 
Horn,  its  walnut  bar  whose  front  moulding  has  been  worn  down  to  one  smooth  bevel 
by  the  coat-sleeves  of  the  countless  bankers,  brokers  and  adventurers  that  have 
rested  there  for  their  social  glass,,  its  Wedgewood  handled  beer  pumps,  its  sedate 
mirrors,  its  silver  bell  wine-cooler,  souvenir  of  the  days  when  "Bell  of  Moscow" 
champagne  was  the  favorite  tipple  of  its  frequenters.  This  has  been  no  common  bar. 
In  its  day  it  was  a  focus  of  activity  in  the  seething  young  city.  It  was  in  the  heart 
of  town.  William  Tecumseh  Sherman  had  a  bank  nearby.  It  was  while  crossing 
the  corner  in  front  of  the  Bank  Exchange  on  May  14,  1856,  that  James  King  of  William 
was  shot  down  by  James  P.  Casey — a  murder  that  led  to  the  uprising  of  the  Vigilance 
Committee  of  that  year.  Before  the  Stock  and  Exchange  Board  was  organized  in  1862, 
the  Bank  Exchange  was  the  rendezvous  of  the  stock  brokers,  and  here  they  trans- 
acted most  of  their  business.  Lawyers,  doctors,  engineers,  members  of  the  professions 
dropped  in  to  meet  the  leading  men  of  the  young  community  and  hear  the  news  of 
the  day.     Bret  Harte  and  Mark  Twain  knew  this  place  well. 

In  later  days  a  dark,  thin-faced,  quiet  man  came  to  haunt  a  certain  corner.  Usually 
he  stood  at  the  west  end  of  the  bar  with  his  back  against  the  wall,  in  conversation 
by  the  hour  with  E.  J.  Moore,  attorney  for  Adolph  Sutro.  The  thin  man  was  not  much 
of  a  talker,  but  he  was  a  grand  listener,  and  here  he  absorbed  the  lore  of  what  he  later 
declared  to  be  the  most  romantic  city  in  America.  His  lodging  during  part  of  the 
time  was  just  across  the  corner,  at  8  Montgomery  avenue — Mrs.  Hunt's.  You  cannot 
find  it,  for  the  building  of  the  Fugazi  Banca  Popolare  Operaia  Italiana  stands  on  the 
site.  But  that  a  place  of  so  much  local  atmosphere  and  such  associations  should  have 
escaped  the  searching  mind  of  Robert  Louis  Stevenson  is  not  to  be  imagined. 

The  financial  center  has  moved  away  from  Washington  and  Montgomery  streets. 
The  Bank  Exchange  is  closed  pressed  by  the  Latin  quarter.  An  Italian  syndicate 
owns  the  building.  But  right  at  his  post  behind  the  slab  of  sleeve-worn  walnut,  in 
spite  of  the  earthquake  and  fire  and  the  changes  of  time,  you  may  find  Duncan  Nicol, 
with  his  recollections,  and  his  old-time  skill,  and  his  pince-nez  hung  on  his  ear,  less 
"barkeep"  than  apothecary,  compounding  the  same  tried  prescriptions  that  gladdened 
the  ways  of  the  past. 

114 


SAX   FRANCISCO  — THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACI1  U     COAS1 


MT.  TAMALPAIS  AND  MUIR   Woods 


l.»  Ml.    ramalpais  it   is  six  miles  bj    terry,  Ave  miles  on  the  electric  tram. 
mi  tin'  Mt.  ramalpais  mid  Muir  Woods  steam  railroad,  a  t < > t ; 1 1  ol  19  M11;. 
good  viewpoint  in  San  I  rancisco  one  can  see,  across  thi 
reared  a  clean  half-mile  above  tin-  waters  ol    the   Bay.      1 

high,  <mly  forty-eight  feel  less  than  halt   a  mil.-,  ami  has  ev< 

because  it  rises  almost  directly  from  sea  level.     Ami  If  tin-  vicinit)   ha 

beauties  worth  hunting  out  ami  enoying  one  bj  one,  Tamalpals  shows  them  ail  1:, 

splendid   picture,   and   throws   on   the   screen    t"i    - 1    measun 

ocean,   the  Farallone   islands,  tin-  Golden   «..it.-.   the   Exposition   -■!■  .  n 
islands  and  ships,   the  cities  across,  the  estuarj    "l    the  great   rh 
Diablo  and  St.  Helena,  and,  mi  clear  days,  a  \  lew   straight  across  th< 
of  California  to  the  snow-capped  Sierra,  one  hundred  and  lllt>    1111 
walk    around    the    peak    shows    the    varied    features    ol    the    sun 
rotation.      Here   one    sees    what    might    he   called    the   ground    plan    ol    Un- 
locked harbor  on  the  Pacific  Ocean,  and  of  the  region  surrounding   it 
is  by  no  means  all  of  Tamalpals.     The  mountain  itself  is  a  domain  ol 
air  plays  are  given   iii  glades  near  its  summit.     Forests  clothe  its  sh  .. 
laurel,  buckeye,  redwood,  manzanita  and  that  shining  green-and-vermi I 

the    glade,"    the    madrone.       Deer    and    other    wild    animals    run    wild    on    tin 

tamalpa is.   within   a    tew    minutes'    ride   ol    San    I  rancisco      net   probal  Ij    ' 

gaze  from  the  cover  of  these  beautiful   forests  across  a  narrow   -, 

the  great   white  city  that  bristles  on  the  opposite  hills.     All   this   within  an   hour  of 

Market   street.     Where  else   in   the   world   will   you   lind   primeval   forests   and    I 

life  rubbing  elbows,  as  it  were,  with  a  greal  modern  citj   and  its  hustling 

A    most    convenient    and    pleasant    wax     to    reach    the    summit    is    provided    I 

Tamalpals  and  Muir  Woods  Railway,  which  runs  from  Mill  Vallej  to  Muir  v 
the  Tavern.     This  is  .ailed  the  "crookedesl  railwaj   in  the  world,"  ami  is 

in    itself   as    an    example    of   difficult    railroad    construction.      The    trip    t.ikis 
hours,  and   the  return  can   he  made   the  s; ■  day,  hut    it    is  a  pitj    to  miss  thi    | 

the  sunset  from  the  top.     A  delightful  experience  is  tin-  coasting  ride  down  the  m 

tain   by   the  "gravitj    car''    in   the  early   morning  alter  a   night   at   the  tavern. 

Muir  Woods  can  he  reached  bj  a  branch  line  which  leaves  the  main  railroad  at  tlir 
"double  how    knot."      fins   is  a  statel]    grove  oi   Sequoia   Sempen 
redwood,   which   should,    by   all    means,   i><    seen   and   enjoyed    as    ..! 
attractions  of  the  Bay   region.    The  trees  are  undoubtedly  thousai 
represent  the  grandest  forest  growth  of  California,  with  the  exception  ol  lh<    i 
in  the  Sierra.     The  woods  are  a  government   reservation  and  thus  an 
the  enjoymenl  of  the  public  for  all  time.     There  is  a  cozy   Inn  on  a  sunnj   knoll 
looking  the  forest.     All  aboul   are  shaded   walks   leading  to  still  and  somber  d< 

among    the    redwoods,    oaks    and    niadroiies.        Mure    are    about 

which   is  one  of  the  most   beautiful  of  all   California's  shew    places,     it    •  • 

the   nation,    from    William    I..    Kent,   of    Kentlield.    Marin    County. 


MUSEUM  OF  ANTIIHOl'ol.or.Y    (THE   HEARS!    COLLEl    HONS 


exemplification  lore,  and  the  museum  administration  has  adopted  lh<    1 

free  Sunday  and  holidaj   afternoon   lectures  at    '.  o'clock,  la  make  the  und. 

of  the  subject   moil-  general.     These   lectures  arc  unique.     So  also   is  the 

exhibit"   of   articles    from   different    departments,   on    winch   tin    let. 

au.l   which  are  changed  everj   two  months,      fhe  present   value  •■! 

the   neighborhood   ol    (5,000,000.     It    has   hen   brought 

such   practical   archeologists  as   in.   Rcisner,   Max   1  hi.-  and   in.    \ 

is    under    tin'    .  .11  e    ..I     Prof.     \.    I  .    Ki  "her. 
The    main    halls    arc    the    (.reek     Hall.    Ill 


of  an  "uncontam mated     savage,  m  me  prrvni  ..1   imii. 
County,     isln   is  the  last   oi   .1  vanished   tribe,  and   has 

of   a    modern    cil\    the   arts   that    men    were   compel l(    I 


11.-. 


SAX   FRANCISCO  — THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 


MUSEUM  OF  ANTHROPOLOGY  —  Continued 

them.  Other  [ndians  build  fires  and  light  their  pipes  with  parlor  matches.  Ishi  uses 
the  friction  method,  and  you  can  see  him  at  it,  and  understand  how  our  cave-dwelling 
ancestors  had  to  slave  for  the  roughest  necessities.  Probably  there  are  very  few 
Indians  left  in  the  country  that  can  make  a  neat  arrow-head  or  spear-head  from  a 
piece  of  flint.  Ishi  not  only  Hakes  arrow-heads  from  obsidian,  but  even  exercises 
his  ancient  art  on  such  a  refractory  material  as  plate  glass,  chipping  it  into  slender 
blades  and  long  points  for  spearing  fish.  He  has  also  built  a  dwelling  in  the  grounds 
to  show  bow  it  is  done  a  wigwam  of  lodge  poles  and  leaves.  Ishi  is  permanently 
attached  to  the  museum  stall",  and  exhibits  bis  skill  for  the  edification  of  visitors. 
This  is  an  extremely  valuable  museum  in  an  aducational  way,  and  contains  a  great 
mass  of  material  not  classified,  from  the  South  Seas,  Alaska  and  other  far  places. 

NOR  HILL  — 

Celebrated  in  the  history  of  the  city  and  well  known  wherever  people  are  familiar 
with  the  achievements  of  the  great  figures  of  "Bonanza  days"  and  the  era  of  early 
railroad  construction.  Here  a  group  of  the  Comstock  millionaires  and  railroad 
builders  erected  their  mansions  -Mark  Hopkins,  Leland  Stanford,  James  C.  Flood, 
1).  I).  Colton,  Charles  Crocker  and  W.  H.  Crocker,  his  son,  and  many  more.  Some 
were  gorgeous  palaces,  embellished  in  teak,  ebony,  ivory,  inlaid  pearl-shell  and  bronze, 
with  mural  tapestries  and  paintings  by  celebrated  European  artists.  They  were  all 
swept  away  by  the  mounting  flames  except  the  mansion  of  James  C.  Flood,  a  "brown- 
stone  front"  that  stood  across  the  street  from  the  Fairmont  Hotel.  The  Flood  home, 
remodeled  and  somewhat  enlarged,  is  now  the  beautiful  Pacific  Union  Club. 

At  the  southwest  corner  of  California  and  Powell  streets,  where  the  Leland  Stanford 
residence  once  stood,  is  now  being  erected  the  largest  apartment  house  on  the  Pacific- 
Coast,  a  gigantic  structure  that  will  cost  over  a  million.  A  block  away  the  San  Fran- 
cisco Institute  of  Art  occupies  the  site  of  the  Mark  Hopkins  mansion,  at  the  southeast 
corner  of  California  and  Powell  streets.  In  the  block  between  Taylor  and  Jones  streets, 
beyond  the  Pacific  Union  Club,  is  the  divinity  school  connected  with  Grace  Pro- 
Cathedral,  of  the  Episcopal  diocese.  It  is  part  of  what  will  be  the  most  important 
establishment  of  the  Episcopal  Church  in  the  West.  Grace  Cathedral  will  rise  at  the 
coiner  of  Jones  street.  It  will  be  in  the  beautiful  English  Gothic  style,  with  a  central 
tower  rising  2:S0  feet,  or  higher  than  any  other  structure  on  Nob  Hill.  At  present 
the  crypt  is  being  used  temporarily  as  a  place  of  worship.  This  block  of  land  was 
formerly  occupied  by  the  homes  of  Charles  Crocker  and  W.  H.  Crocker,  and  was  a 
gift  from  the  heirs  of  Charles  Crocker  to  the  Episcopal  Church. 

NORTH  REACH  — 

A  part  of  the  city's  waterfront  running  west  from  the  northern  base  of  Telegraph  Hill. 

PETROLEUM  — 

See  Production  of  California. 

POSTAL  RECEIPTS  - 

Year                                                Amount.  Year.                                               Amount. 

HIM  $3,252,300.16       19(17 $1,787,694.06 

1913  3,116,944.29       1906 1,509.595.90 

1912  2,782,949.41       1905 1,772.857.6.'! 

191l"  2,570,215.84       1904 1,572,976.81 

1910'  2,188,224.54       1903 1,449,932.20 

1909'  2.212,163.70       1902 1,296,389.08 

1908 2,010,833.12 

Fiscal  Year  1913-1914. 

New  York      $31,000,893       Pittsburg $3,383,592 

Chicago    26,880,576       Cleveland     3,355,641 

Philadelphia     8,191,975       Detroit    3,188,104 

li,,st, ,n     8,192,586        San   Francisco    3,167,133 

St.    Louis    5,31  1,633 

PRESIDIO  — 

The  Spanish  name  for  the  military  post,  founded  by  the  Spaniards  in  1776,  and  the 
first  permanent  settlement  of  white  men  in  San  Francisco.  It  is  now  a  Government 
reservation  and  the  United  States  Army  Headquarters  for  the  Department  of  California. 
11  comprises  1,5  12  acres,  more  than  half  planted  to  pine  and  eucalyptus,  with  a  shore 
line  on  ocean  and  bay  of  nearly  three  miles,  and  the  well  kept  grounds  have  beau- 
tiful walks  and  drives.  Part  of  it  projects  into  the  Golden  Gate  in  the  form  of  a 
long  cape,  calico1   Fort  Point,  with  Fort  Winfield  Scott  at  the  northern  end. 

PRESIDIO  PARKWAY 

A  boulevard,  one  mile   long,  connecting  Golden   (late  Park  with  the   Presidio. 

PRESS  — 

San  Francisco  has  had,  since  its  earliest  history,  a  distinguished  press.  Its  tone  has 
been  metropolitan  from  the  beginning,  but  it  has  also  been  something  more.  Vitalizing 
contacts  with  new  conditions,  and  freedom  from  conventional  restraints,  operated  to 
produce  .journalists  of  originality  who  acquired  national  and  international  reputation. 
This  was  the  starting  point  of  such  writers  and  newspaper  workers  as  Ambrose 
Bierce,  Frank  Bailey  Millard,  Arthur  McEwen,  \V.  C.  Morrow,  Charles  Michaelson, 
Miriam  Michaelson,  Charles  Dryden,  Philip  A.  Roche,  Ned  Townsend  of  Chimmie 
Fadden  lame.  James  Hopper,  Rufus  Steele,  Davenport  and  Edgren,  the  cartoonists; 
Earl    Ashley    Walcott,    the    novelist;    J.    O'Hara    Cosgrave,    who    was    editor    of   the    San 

116 


SAN   FRANCISCO        III!.    FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   Ml.  I  ROPOLIS  0/  tht    PACIFK     COAS1 


PRESS       Continued 

Francisco  "Wave"   when    Frank    Norrls  made   it   the 
William  Melony,  "Bob"  Davis,  Henrj   •  .  Rawley, 
Kathleen    N  orris,    Add.     Brooks;     Swinnerton,    "Tod,"     M 
Wallace,    the    illustrators;    Lincoln    Steffens    and    San 
Chester  Bailej    Fernald,  Will  and  Wallace  Irwin,  Harrison  i 
"Bud"    Fisher,    creator    ..1    "Mutl    and    Jeff."      1 
essayists  on  the  pressing  and  vital  topics  ol  the  day,  from  H 
to  Edward   F.  Cahill,  "Our  <  andid   I  riend." 
Today  this  citj    is  an  Impi  rtanl  publishii 
monthly  publications,  representing  practical  I  j    all   leading 

Italian,    CI sse,    French,    German,    Russian,    Polish.      W< 

the  leading  English  publications  are  the 

ARGONAUT       Weekly,   published   ai   207   Powell   street;   editorial   ■■ 
selected  verse  and  European  correspond) 
Frank   Pixley.     The  Argonaut   is  the   leading  literar>    wi 

the  fore si   in  the  country.     It  circulates  in  ever)   civilized  land 

Francisco  writer  thai  has  risen  to  distinction  sun.    Ita  rounding  i 
through    its   columns,    and    we    Qnd    among   them    such 
Frank  Morris,  W.  C.  Morrow,  Harrj   Dam,  E.  W.  Towi 
Bierce,  Frank   Bailej    Millard  and  John  Fleming  Wilson. 

BULLETIN       Afternoon,  published  al   767   Markel   street.      I  Ins 
Francisco  newspaper,  having  been  rounded  In  18 
murder  the  Following  year  led  to  tin-  uprising  "i  tin    \ 
h  istorj . 

COMMERCIAL  Nl  WS       Morning,  published  at  330  Sanson 
Intelligence  and  financial  news. 

JOURNAL  OF  COMMERCl         Afternoon,   published   al 

Commercial,  financial,  shipping,  municipal  and  general  news. 

MUNICIPAL   RECORD       Published   everj     rhursdaj    b)    thi    B 

City   Hall,   1231    Markel   street,   for  the  purpose  ol   Furnishing  In) 
public  municipal   Improvements  and  the  work  ..I   the  several  munirip 

NEWS       Afternoon,  published  al  :;i<>  Nintli  street.      \  pen 

group. 
NEWS    BUREAU       Issued   during   the   noon   hour   rrom    ss    Inst    »tri 

presentations  of  Important  news,  espcclallj   financial,  for  bi 
NEWS    LETTER       Weekly,    21    Sutter    street.      Oldest    existing    weekh 

Founded  in  1856.     Political  comment,  Qnancial,  soclet)   and  tl 
OVERLAND    MONTHLY        21    Sutter  street;    founded   bj    Brei    Harti    and   bull) 

work  ol  main  distinguished  contributors.     The  Overland  first  publlshrtl  "1 

Roaring  Camp"  and  "The  Heathen  <  hinee."     Joaquin   Miller  wn 

pa^cs  first  appeared  parts  ol   Mark  Twain's  "Innocents 

RECORDER       Morning,  published  al  28  Montgomery   »' 

important    Supreme    Court    decisions,    and    other    Information    ol 
together  with  a  page  ol  general  news  and  a  colui t  editorial. 

N.l.\    FRANCISCO  CALL        Iftern i,   now    published   from   lh< 

and  New   Mont- r>  streets.     IIms  w.,s  recently  change<l  to 

the  change   was  made   it    was  the  oldest    San    i  morning   , 

was  one  oi    its  iip. Mieis  during  Ins  s.m   |  .|.n>. 

SAN    FRANCISCO    CHRONICLl         Mo g,    published    al     Marl 

Founded  bj    i  harles  and   M.  II.  de  Young      Some  famous  wi 

Irwin    was    Its    Siimlax     editor    for    a    tune,    .mil    si.    was    llulu       - 
same    position    Oil    111.-    (   all.      John    P.    Vain;;,    tin     w  <l  I- kll.iw  n    pill. I 

editor,  ami   the  m.ied   literarj    critic,  Ucorgi    Hamlin    I 
read  book  re\  lew  s. 

SA  \    FRANCISCO  EXAMINER       Morning,  published  al   Marl 

IIms    was    the   nisi    Hears!    paper    In   the    I  mini    st..;.-.        \ 

his    lam. .lis    column    "I    "Prattle"    t..    its    Sun. lax     III 

Moffetl  was  .me  i.i   its  editorial  writers,  and    I     I     \\  II 
Arthur  McEwen  ami  \\.i.  Morrow,  the  auth 

Bailej    Millard.    I  a.  I     \slil.  >    Wall  Otl   and   \\  al: 

s/\s//    HAGAZISl         Monthly,  published  al    148  Fourth  i 
exploitation  of  the  beauties  ami  resoun 
find    in    its   pages   mosl   ottractlvi    .!•  •-•  r  i pt . \ 
line    colored    Illustrations.      Sunsel    ha-,    had 
••house  organ"  of  the  Southern  Pai  II 
managenn  nt,   under  the  editorship  ■■! 

the     last     tj  p.  .    appe.d  inj;    to     a     wld 

; tiler    puhl  a  al i     till      Wcsl     that     I 

the    world. 
I  ( i\\  \    TALK        Weeklj 

doings  ..I  the  <it\.  with  interesting  -k.  i 
Vmong  magazini  i  I 
\\  i  s/         w  .1  kij  .    121    Second  sir. 

Mils     was     II.      1 1  i  -  I     | 

lii  addition  then    Is    i 
Hi.     Pacific    Presbyl 

I   maim    I    I      '.lew  lsh»,     till 

palian  I .  the  Pacini    <  I  ristloi 

and    I  rat.  rial    and    trad,     pu!   | 

117 


SAN  FRANCISCO  —  THE  FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 

PRODUCTION  OF  CALIFORNIA  FOR  1913  — 

From  Annual  Report  of  the  California  Development  Hoard. 

Orchard  Products: 

Fresh  Deciduous  Fruits,  not  including  Apples $11,000,000 

Apples 2,021,120 

Citrus  Fruits  (September  1,  1912-August  1,  1913) 21,000,000 

Dried  Fruits  and  Raisins 15,000,000 

Prunes 4,950^000 

('.aimed  Fruits  and  Vegatables 17,500,000 

Olives  and  Olive  Oil 2,500,000 

Nuts 3,825,000 

$77,796,120 
Vineyard  Products: 

Table  <  rrapes $  7,000,000 

Raisins   4,875,000 

Wine  and  Brandy 15,000.000 

Garden  Products,  Fresh 

Dairy  and  Poultry  Products:  9,842.000 

Dairy  Products $34,950,552 

Poultry  Products 18,205,896 

Honey,  Wax,  etc 600,000 


Farm  Products: 

Barley $22,542,000 

Wheat 3,990,000 

Oats 3,980,000 

Corn,  Rye  and  Rice 2,167,000 

Farm  Products  (Continued) : 

Grain,  Grass  Hay  and  Alfalfa $48,600,000 

Hops _. 4^50^000 

Sugar  Beets  (paid  growers,  $4,923.000) 13,324,000 

Broom  Corn,  Tobacco,  etc 230,000 

( (iher  Field  Crops: 

Potatoes $  9,720,800 

Potatoes,  Sweet 1,200,000 

Beans \\  6,975!oOO 

Onions 2,750,000 

Seeds  and  sundry  others 2  500  000 

Melons '  "  '  2,'600,000 

Cotton 1,690,000 


26,875,000 


53,756,448 


66,404,000 


27,435,800 


Fish  Industry: 

Coast  and  Interior  (Cod,  Tuna  and  Sardines) $  3,678,534 

Salmon  Fisheries,  etc 7  000,000 

t      ™     ,          ,      .                                                                   ' ' 10,678,534 

forest  and  Lumber  Products  (estimated) 40,000  000 

Petroleum  (estimated)  97,865,946  barrels 46000000 

Mineral  Products,  other  (estimated) : 

G°ld $20,000,000 

Cement 8,000,000 

Copper     ...    5,500,000 

Other  Minerals 20,500,000 

„          ...         j  ^     ,  54,000,000 

farm  Animals  and  Products: 

Increase  over  1912  (U.  S.  Farmer's  Bull.) $33,834,300 

Slaughtered  for  market  in  cities 20^000^000 

Slaughtered  in  rural  districts  and  towns 18J5o'oOO 

Other  Animal  Products 5,600,000 

ci         .u              .  •     i    j    ,     i  77,584,300 

oundry  others,  not  included  above: 

Nursery  Products $  3,250,000 

r  lonst  Products 900  000 

Fruits  marketed  in  cities 9,500,000 

Vegetables  marketed  in  cities .......  lS^SO^OOO 

Cider,  Vinegar,  etc 2J20o'oOO 

31,600,000 

Total $    554,651,202 

Manufactures  (as  r.-ported  by  Census,  1910) 5j()  761  000 

Manufactures  (increase  5  per  cent,  1913) .  .  .  '  2(1  4X8  050 


Grand  Total $1,110,900,252 


118 


SAN   FRANCISCO-     THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  0/  the  PACIFIl     COAS1 


CRUDE  all.  PRODUt  FS       ANNUAL  OVTPV1 


Year 

Barrels 

Value 

1893 

1871 

5,200 

9     3 

187 ; 

1,  500 

1873 

is:  v 

7,700 

1  1  ,540 

is;:. 

8,400 

1870 

15.410 

1877 

1  I  750 

is   1  m 

IsTs 

:  SO 

1879 

19,858 

1901 

L880 

V  : 

|  ... 

1881 

99,862 

1  10  ■ 

1882 

1  88  • 

IT  I 

1904 

[88  1 

IV  ■ 

140 

ISM 

000 

IKS.". 



1907 

issi; 

!  .1  v:. 

64  ! 

1008 

IssT 

578 

:   1  VV 

1888 

690 

1,380 

1910 

L889 

30  1 

"Vs 

191 1 

1890 

307 

:M 

1912 

L891 

.  600 

101 

1892 

385,049 

561 

1914 

*In  1911,  5,600,000  barrels  of  petroleum  were  i  insumed   in  U il  I 

should  be  added  to  gel  the  actual  total  pro  lu<  ed       I  i 
consumed  for  fuel  in  the  Gelds.     \  aluotioo 


191  I 

II    K 

1911 

|.  r    SI 

I  ..1  .1  pro  In.  lion 

\l  I  s  ■ 


MINERAL  I  Ham  il  lo\    i\    (   VLIFORNIA 
1  //  Figure*  mi  1/  ■  ■ 
(iull  w;i^  discovered   bj   James   \\    Marshall  on  Ji 
1 .1  I  lorado  <  !ount> 

I    M.I    l> 

S  ear  Producl  ion 

1:111 
1912 

1913  80, 

|..i.,l  produi  lion  I 

Sn  1 1  n 
^  eai  Produi  i  ion 

1911 

1912  . 

1913  BOO, » 

Total  production  22,050,084 

Sali 
Yeai  ^  alue 

I'M  I    173,332  tons 

1912  185,271  tons 

1913  804,407  tons 
Total  production 

Coal 

191 1  ...11,047  tons  191  i 

1912  i  v.sis  ions 
1918  ■  tons 
I  ..ill  production  1.661  094  produi  << 

<  i  \i      P ii 

I'M  I  Ions  I'M  I 

1912  19 5  tons 

1913 

I  produi  lion 

I  .  i  P8I  \i 

191 1  11,457  tons 

1912  17,5  !9  tons 

1913  17  i""  tons 
Total  production 

ii  it 
1911 

1912  lb 

1913  171   118  lb 
I  production 

w 
1911  101 

I  9 1  I 
1913 
I.. i  .1  produi  lion 

\  -III  W    I 

1911 

I'M  ' 

1 19 


' 

191  1 

I'll  ■    M  1  N ■  ■ 

• 

1  .-i.l  pri 

I'M  I 


■ 


1 


SAX    FRANCISCO  — THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 


RAILROAD   COMMISSION   OF  CALIFORNIA  — 

Headquarters,  NX!  Market  street,  S;in  Francisco.  Commissioners:  Max  Thelen,  Presi- 
dent; H.  1).  Loveland,  Alex  Cordon,  E.  ().  Edgerton  and  Frank  R.  Devlin.  The  Rail- 
road Commission  of  California,  as  at  present  constituted,  derives  its  powers  from 
the  act  of  December  2.',,  1911,  effective  March  2H,  1012,  known  as  the  Public  Utilities 
Act.  Under  this  Act,  the  Railroad  Commission  has  jurisdiction  over  the  rates,  service, 
extensions,  facilities,  accounts  and  security  issues  of  all  classes  of  public  utilities, 
including  steam  railroads,  electric  railroads,  street  railroads,  gas,  electric,  telephone, 
telegraph  and  water  utilities,  warehouses  and  wharfingers.  Under  an  Act  of  the 
Legislature  of  1915  tin'  Commission's  jurisdiction  over  public  utility  rates  within 
incorporated  cities  will  become  effective  during  the  first  week  in  August,  1915.  Any 
pei-son  having  a  complaint  against  a  public  utility  in  any  matter  concerning  the 
duty  of  the  utility  to  the  public  can  write  a  letter  to  the  Railroad  Commission 
explaining  the  complaint,  whereupon  the  matter  will  be  taken  up  by  the  Commission 
with  the  utility  affected,  with  a  view  to  securing  relief  informally,  without  the 
necessity  of  a  formal  complaint  and  hearing.  The  Commission's  annual  reports  are 
available  for  distribution  to  the  public.  The  Commission's  opinions  and  orders  are 
published  in  pamphlet  form  and  later  in  book  form,  and  may  be  secured  from  the 
secretary's  office  upon  the  payment  of  the  cost  of  publication. 

RAILROADS  IN  AND  OUT  OF  SAN  FRANCISCO - 

ATCHISON,  TOPEKA  AM)  SANTA  FE  —  Ollices:    Monadnock  building,  Ferry  Depot,  Stock- 
Ion,   Fresno,   Hakersfield,  Los  Angeles,   San   Diego. 

MT.   TAMALPAIS  RAILWAY  COMPANY  —  Offices :     Ferry  Depot,   Mt.   Tamalpais  and   Muir 

Woods  via  Mill  Valley  and  Sausalito. 
NORTHWESTERN      RAILWAY     COMPANY  —  Offices:       Ferry    Depot,      Phelan    building, 

Eureka,  I'kiah,  Willits,  Santa  Rosa,  Petaluma,  San  Rafael,  Sausalito,  etc. 
OAKLAND,    ANTIOCH    AM)    EASTERN  —  Offices:      Ferry    Depot,    Oakland,    Antioch    and 

Sacramento. 
OCEAN  SHORE  RAIL  WA  Y  —  Office:    Twelfth  and  Mission  streets. 


Southern  Pacific  Passenger  Depot,  Third  and  Townsend  Sts.,  San  Francisco. 

SOUTHERN  PACIFIC  COMPANY  —  Offices:  Flood  building,  Palace  Hotel,  Ferry  Depot, 
Third  and  Townsend  streets.  Shasta  Route — Northern  California,  Sacramento,  Port- 
land. Coast  Line — Los  Angeles  (from  Third  and  Townsend)  via  San  Jose,  Santa 
Barbara,  etc.  Valley  Route — Los  Angeles  (from  Ferry  Depot)  via  Oakland,  Fresno, 
Bakersfleld,  etc.     Overland  Route — Ogden,  Reno,   Sacramento. 

Southern  Pacific's  four  routes  to  the  East.  With  its  gateways  at  New  Orleans,  El 
Paso,  Ogden  and  Portland,  the  Southern  Pacific  oilers  castbound  passengers  from  San 
Francisco  choice  of  four  routes,  over  which  are  run  the  best  equipped  and  best  oper- 
ated trains  in  America.  "Sunset  Route,"  via  Los  Angeles,  Tucson,  El  Paso,  San  An- 
tonio and  Houston  to  New  Orleans,  connecting  with  fast  trains  to  Eastern  cities,  and 
cariying  a  daily  through  tourist  sleeper,  San  Francisco  to  Washington,  1).  C.  At  New 
Orleans  it  connects  also  with  Southern  Pacific's  splendid  steamships  sailing  Wednes- 
days and  Saturdays  to  New  York.  The  through  fare,  same  as  all-rail,  includes  berth 
and  meals  on  steamer.  "Ogden  Route,"  via  Sacramento,  Reno,  Ogden,  Cheyenne  and 
Omaha  through  to  Chicago,  or  via  Denver  and  Kansas  City  through  to  St.  Luiis.  Close 
connection    is    made    with    limited   trains,    Chicago   to   New    York.      "Shasta   Route,"    via 


121) 


SAN   FRANCIS!  0       THE   I  IWV  I  \i..  |  OMMER(  I  \l 
INDUSTRIAL   METROPOLIS  o/  tin    PACIFH     COAS1 


RAILROADS  IN  AND  01   I    OF  SAN   I  R  \\<  [SCO 

D:.\is  or  Sacramento  and  north  through  Oregon  I 

necting  at  each  poinl  w  iih  trains  lo  (hi 

Tucson  and  El   Paso,  thence  north  via  Kansas  <  ii\   l<    SI 
Oakland,   Alameda   and   Berkelej    are  closet) 

highlj   developed   rerrj   and  electric  lim 

San  Francisco  Ferrj  station  on  a  20-minutc  sched 

schedule  to    Vlameda   Pier,  connecting   with   fusl 

ports  twentj  millii  n  passengers  annually. 
WESTERS    l   IC/F/C       Offices:     Monad k   bulldini 

Marysville,  Oroville,   Feather  River  Canyon   I 

RECREATION   LEAGUE  <  IF   S  \N   I  R  W<  ls<  « I 
Has  Its  offices  at   1058  Phclan  building.     Its  purp< 
tor  old  and  young.     II  is  <•.  mposed  ol   over  s.  s,  nty-flvi 

thropic   nuns   ami    w ens   organizal s   and   several    in: 

li  represents  the  public  conscience  In  all  construct  I  v< 
II    lias    been    Instrumental    in   starting   man)    inovcuu-iil 

social   rnmlil i"ns   iii   Hie  community,  i n^  th.s.-  Ix-inn  tii 

the  Children's  Theatre,  the  establishment  ..i 
promotion  ot  civil  pageantries  on  fete  days  and  liolidin 
leagues  and  clubs,  such  as  the  Lincoln  Park  <>"ii  <  tub 
The  league  lias  co-operated  and  assisted   its  until 
relates  to  the  social  and  civic  betterment   ..i   tin    ...mi 
lull  program  ("or  iius  I  ^position  year,  and   Its  » 

with  extending  the  outd ■  idea 

.lames   Edward   Rogers   is  secretary.      \  monthl)    paper   is  puhlisl 
ship  of  Eustace  M.  Peixotto. 

RESTAURANTS,  CAFES,  GRILLS,  <   \ll  lll:l\s 

CAFETERIAS 

Roos  Rros,  1059  Market  St. 

( lalifornia  Cafeteria,  7  13  Market  st. 

i  rystal   Cafeteria,   Phelan  building  While  Lunch,  792  and   I 

i  olbj  a  Reed,  509  Market  si.  Plymouth 

Quaker  i  afeteria,  731  Market  St.  Wiltshin    I 

CAFES  {Wtih   \tusic  and  Entertainment) 

Blanco's,  857  O'Farrell  st.  •  r 

The  Caesar  Grill,  940  Kcarnj   St.  •(  aft    R(  \.  <<  i 

1  OS s.  658   Market   St. 

Heidelberg  Inn,  35  I  n  Is  st. 

Hoi   Id  ui.  Pacific  building. 

Jules-.   Monadnock    building. 

•  Lout  re,  Ellis  and  Powell  Sts.  reel         i 
•Odeon,  I  ;ddj   and  Market  sts.                            i  |if|    Houi 

/.■/;/  iKFASl    wi>  i  i  \<  in  <i\  sri  i  i  \i  ins 

l  Emporium,  Market  st..  near  Fifth.  s«  , 

Golden    Pheasant,   .:  i    Gear)    st. 

Grover's,    121    <  alifornla   St. 

Hale  Kins.-   Pompelian  <  ourt,  I  it tli  and 

Market    Sts. 

Sul 

RESTAVRAXTS 

i     G    Hair.  1 19  Montgomei  j   St. 

(  bar  He*  a  I  Ij    I  rap,    iO     Market  si.  Mini   i 

I    1 1 .  i  r  lev's    Fasl 1.    I    Ills    a  ml     \  1 1 1  i.i    I 

It.  II.  Debret,  3! >ai  >   st. 

Detjen-Mengel  I  o.,  In<  .,  9  ■  Mai  ket  St. 
i  Lausten  <  ■  kton  si. 

Golden  Rule  i  afc\     n  •  Market  st. 
Haj  den  a  <  oilins  i  Ferry  Cafi      It  Mai  k.  i 
Hauh  Bros.,   15  Powell  St. 
it.   II.   1 1 1 ' 1 1 .    i  il    Montgomerj   St 
//;/  \<  //    RESTAVRAXTS 

Iter-./    I  rank's  Old    P Ill       '  Hush 

Borlini's,  71  I   Mai  ket  st. 

I  eii-.'s.  i,  13  Montg i  \    st. 

Jack's  Rdtlsserle.  01      -  n  it  nto  st. 

I  ■ mil. anil's.    161    Sutler    SI 

M  i rehaml's.  Gear)  and  Mason  St. 
1 1  \l  I  \\    RESTAVRAXTS 

Bonlnl's  Barn,  '  09  w  ashingt<  Hi 

•  ampi's,   I  hird  and  Mai  k.  t  su. 
(  uppa's,   i  iO  Pine  st. 

Dante  Italian  Bestaurnnl 
Flor  D'ltalia,   192  Bi  oadv 
Gianduja,  15  19  Stocktoi 
Ml  \l<    I  \     \\h   SP  I  Msil  RESTAVRAXTS 
i  astilinn  i  afe.   '■  i  i  s,,tt.  i    st 
<  it\  ol   Mi  ulco,  I 


'  Yau.le\  I  lie. 

121 


SAN  FRANCISCO  — THE  FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 

RESTAURANTS,  CAFES,  GRILLS  AND  CAFETERIAS  —  Continued 

OYSTERS  AND  SHELL  FISH — 

Darbee  &  Immel's  Shell  Fish  Grotto,  245  Pearl   Oyster   House,   California   Market, 

O'Farrell  St.  Pine  St.,  near  Kearny. 

Mayes'  Oyster  House,  California  Market,  Oyster  Loaf,  55  Eddy  St. 

30  Third  St.,  Sutter  and  Polk  Sts. 

GRILLS  — 

The  Bay  State,  275  O'Farrell  St.  Gobev's,  140  Manila  St. 

Beth's,  9  Ellis  St.  Hammonia,  453  Bush  St. 

Collins  &  Wheeland,  347  Montgomery.  John's,  57  Ellis  St. 

Commercial  Bestaurant,  225  Pine  St.  Schroeder's,  117  Front  St. 
Girard's,  134  Manila  St. 

ROTARY  CLUB  OF  SAN  FRANCISCO  — 

See  Commercial  Organizations. 

RUSSIAN  HILL  — 

Is  part  of  a  ridge  with  two  distinct  crests,  one  at  Vallejo  between  Taylor  and  Jones, 
and  the  other  at  Greenwich  and  Hyde.  It  was  the  abode  of  an  aristocracy,  but  an 
earlier  one  than  that  which  built  up  Nob  Hill.  Beyond  the  industrial  foreground  of 
North  Beach,  smoking  with  the  energy  of  its  factories,  the  view  is  one  of  splendor. 
The  long  moles  running  out  from  the  opposite  shore;  the  cities  behind  them;  Verba 
Buena  Island,  Point  Richmond  with  its  oil  tanks  and  its  growing  industries,  the 
straits  connecting  with  San  Pablo  Bay,  and  then  Alcatraz  Island,  Angel  Island  behind 
it,  Richardson's  Bay  with  Tamalpais  for  its  background — all  these  would  be  beau- 
tiful enough  for  a  most  extraordinary  picture.  But  turning  to  the  left  one  sees  the 
Golden  Gate  in  one  of  its  most  graceful  aspects,  like  a  broad,  winding  stream,  with 
Fort  Point  thrusting  into  it  from  the  southern  shore,  and  just  in  front  of  the  grounds 
of  the  Exposition,  while  across  the  Gate  rise  the  bold  hills  of  Marin  County. 

SAN  FRANCISCO  ARMORY  OF  THE  NATIONAL  GUARD  — 

Erected  at  a  cost  of  $300,000  at  the  corner  of  Fourteenth  and  Mission  streets.  An 
imposing  structure  covering  a  space  240  by  280  feet,  with  offices,  locker  rooms,  dressing 
rooms,  mess  rooms  and  kitchens,  a  swimming  tank,  a  gymnasum,  a  rifle  range,  large 
disappearing  guns,  the  proper  ammunition  vault,  a  drill  court  1C8  by  240  feet,  with 
a  gun  shed  adjoining,  a  social  hall,  library  and  reading  room. 

SAN  FRANCISCO  BAY  — 

The  largest  land-locked  harbor  in  the  world.  The  Bay  of  San  Francisco  covers  an 
area  of  over  420  square  miles  and  has  a  shore  line,  exclusive  of  navigable  inlets,  of 
100  miles.  The  City  and  County  (Consolidated)  of  San  Francisco  has  a  water  frontage 
on  the  bay  of  ten  miles.  The  pierhead  line  is  800  feet  from  the  bulkhead  line  and  is 
fixed  by  the  United  States  Government.  On  January  1,  1915,  there  was  a  total  com- 
pleted sea  wall  18,090  feet  in  length,  34  completed  piers  and  three  planned,  from  600 
to  1,000  feet  in  length  and  from  100  to  200  feet  in  width.  The  total  berth  space  of 
all  piers  is  48,728  lineal  feet.     The  dock  area  of  all  piers  is  3,471,697  square  feet. 

The  San  Francisco  harbor  front  is  owned  by  the  State  of  California.  The  new  docks 
and  wharves  are  built  under  a  $10,000,000  state  bond  issue,  the  interest  on  same  and 
all  sinking  and  redemption  funds  being  paid  for  out  of  the  harbor  revenues.  The 
Embarcadero,  the  street  fronting  the  harbor,  is  also  owned  by  the  State,  which  operates 
a  Belt  Line  Bailroad  over  its  entire  length.  On  January  1,  1915,  the  Belt  Line  was 
20,600  feet  long.  Freight  can  be  unloaded  directly  on  to  the  freight  cars  on  the  Belt 
Line  from  the  freighter  alongside  the  dock  (the  Belt  Line  being  connected  with  the 
main  lines  of  all  the  transcontinental  railroads  and  the  spur  tracks  serving  San 
Francisco's  industrial  area),  so  that  freight  can  be  transferred  direct  from  steamer 
to  warehouse  or  factory. 

Deep  water  is  found  at  all  the  docks  and  wharves  on  the  San  Francisco  waterfront. 
Typhoons  and  hurricanes  are  unknown  and  the  greatest  Pacific  liners  dock  without 
difficulty  in  any  weather  and  at  all  stages  of  the  tide.  Ten  fathoms  is  the  average 
depth  in  the  bay,  so  that  safe  anchorages  are  obtainable  at  all  times.  A  depth  of  six 
and  seven  fathoms  is  reached  at  the  end  of  all  the  piers.  The  only  transport  docks 
owned  by  the  United  States  are  at  San  Francisco. 

The  first  settlers  selected  the  San  Francisco  side  of  the  bay  for  shipping,  as  it  is 
both  the  deep  water  and  the  sheltered  side.  The  east  side  of  the  bay  will  not  see  any 
deep-water  shipping  until  the  San  Francisco  side  has  been  solidly  built  up.  The  silt 
from  the  Sacramento  and  San  Joaquin  Bivers  piles  up  on  the  east  side  of  the  bay, 
necessitating  constant  dredging  to  maintain  a  given  depth.  The  Oakland  Estuary 
has  a  depth  of  six  fathoms.  The  only  protected  bight  on  the  east  side  of  the  bay  is 
owned  by  the  United  States  Government  and  may  be  the  site  of  the  future  naval  base. 
At  the  present  time  the  Federal  Government  has  made  an  arrangement  with  the 
Hunter's  Point  Dry  Dock  Company  (on  the  San  Francisco  side  I  to  construct  a  dry 
dock  1,050  feet  long.  This  will  be  the  largest  dry  dock  on  the  Pacific  Ocean.  The 
United  States  will  have  first  call  on  this  dock  at  all  times  for  the  docking  and  repair- 
ing of  government  vessels.  Two  docks  are  now  operated  at  Hunter's  Point,  one  of 
them  being  750  feet  long. 

All  of  the  passenger  and  freight  steamers  sailing  from  San  Francisco  leave  from  the 
San  Francisco  side  of  the  bay  with  the  exception  of  some  small  lumber  schooners. 
Direct  steamer  connections  may  be  made  from  here  to  all  points  along  the  Pacific 
Coast  of  North  and  South  America,  Russia,  Japan,  China,  the  Philippines,  the  Orient, 
Hawaii,  New  Zealand  and  Australia,  as  well  as  services  through  the  Canal  to  Atlantic- 
Coast  points  and  Europe. 

122 


SAN  FRANCISCO  — THE   FINANCIAL.  COMMERCIA1    and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC    COAS1 


MISSION    TERB  \<  1  . 

The  industrious  workingman  owns  ;i  self-contained  bouse  ol  li i ^  own;  such  a  house 

can  be  made  home-like,  attractive  and  comfortable. 

SAN  FRANCISCO  AS  A  HOME  CITY  — 

Any  and  every  class,  style  and  price  of  home  in  the  form  of  a  houa  bungalow, 

flat  or  apartment  may  be  purchased,  rented  or  leased   in  San   Francisco.     P 
according  to  the  location  of  the  site     The  most  Fastidious  can  be  suited  or  the  work- 
ingman can  buy  his  modest   home  on   the   installment  plan.     II    is   rarelj    that 
metropolis  offers  the  inducements  of  a   Home  Citj      a  good   place   in   which  t.. 
as  docs  San  Francisco.     The  same  attractions  that   induce  tourists  t"  make  San    ! 
cisco  a  summer  and  winter  resort,  linger  in  their  memorj    until   thej    return  as  resi- 
dents.    In  the  suburbs  of  San  Francisco  warmer  climates  and  cheaper  land   tnaj    1>. 
found   tor  those  who  wish   it.     San   Francisco   has  a    large  commuting  population   "i 
50,000  residing  in  the  cities  of  Oakland.  Alameda  and   Berkelej   ami  the  towns  in  San 
Mateo    and    Marin    Counties.      To    the    busj     man    who    cannot    afford    to    leave    th( 
who  must   he  near  his  place  of  business,  Sao    FranciSCO  oilers    ideal    locations,  a   match- 
less climate  in   which  one  can   work   outdoors   tin    year   round    it    necessary,   and   all 
the  prerequisites  that  go  to  make  up  a  place  iii  which  to  ii\e  comfortably. 

The  hills  of  San  Francisco  afford  views  that   lure  the  bomeseeker.     Of  its  location, 
Hon.  .lames   Bryce,   Ambassador   from   Greal    Britain,  and   author  ..f   "The    Vm< 
Commonwealth,"  says:     "Few  cities  in  the  world  can  vie  with   San   Fran< 
in  the   beauty  or  in   the  natural   advantages   of  her  situation;    Indeed   there  are  only 
two  places  in  Europe    -Constantinople  and  Gibraltar     that  combine  an  equallj   pi 
landscape  with   what   may  be  called  an  equally   imperial   position,      flu-  citj    its 
full    of   bold    hills,    rising   steeply    from    the   deep    water.       flu-   air    is    knn    and    i|m 
bright,   like  the  air  of  Greece,  and   the   waters   not    less   blue." 

RESTRICTED   RESIDENCE   PARKS         San    Francisco    is    famous    tor    its    restrict) 

parks,   insuring  protection   from   stores,   saloons  and   a   cheaper  class   of  homes.       \nioiitf 
the   principal    parks    ranging    in    price    from    twenty-flve    to    a    thousand    dollars    a    front 
foot   in   value  may  he  mentioned:    Ashbury   Park,   Ashburj    Terrace,   Balln 
Crocker  Amazon  Tract,  Fl  Portal,  Forest  Hill,  [ngleside   rerrace,  Jordan  Park,  Lincoln 

Manor,     Mission    Terrace,     I'arkside.     Presidio     Terrace.     Sea     I   lilt.     SI.     1  i  .. 
Sunset  Terrace,  West  Claj    Park,  West  date  Park,  an. I   Woodsldi     1 

SAN  FRANCISCO  CHAMBER  OF  COMMERI  I 
See  Commercial  organizations. 

SAN  FRANCISCO  INSTITUTE  OF  ART 

Situated    at    the   southeast    corner   of    California    and    Mason    streets,    on    the    I 

Of   the    Hopkins    mansion.      A    treat    to   art    lovers.        I  'In  1  ■ 

and    Other    works   of   art    in    the   collection.       attendance   at    the    Institute   of     \rt    an. I    the 

School    of    Design    here    conducted    bj     the    San    Francisco     \rt  II    is    among    the 

largest    at    institutions   Of   the   kind.      The    Hopkins    mansion    was   deeded    to   the    |. 

of  the  Universitj   of  I  alifornia  in  trust  for  the   \rt    \ss...  lation  bj    1  dward   1     s 

Of    Methuen,    Mass..    and    became    known    as    the    Mark    Hopkins    Institute    ol     \rt    ol    the 

University  of  (alifornia.     It   was  destroyed   bj    the  conflagration  ol    1906,  hut   within 
little  more  than  a   year  the  association   succeeded   in   erecting  a   building  on   ti 

foundations    and    reopened    the    school     with    all     its    .  I.  pari  mints.       In    \  1.  w     ..t     |hl 

that    the    memorial    buildings    of    the    Mark    Hopkins    [nstituti 

was   decided    to   call    it    thereafter   tin'    San    Francisco    Institute   ..t     \rt. 

Among   the   more   notable   attractions   of   the   galleries    is   an    unusual  bj 

the  German  painters  of  the  last  century,  including  Piloty's  painting  of  -w 
on  His  Waj   to  the  Castle  of  I  gger";  "Portrail  ol   the    Artist,"  b)    I 
two   admirable   examples    of   Schreyer's    "Arab    Horsemen,"    .01.1    others    !^    W 

Weber  and  Fiehcrniann. 

123 


SAX   FRANCISCO  — THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL    METROPOLIS  of  the  PACIFIC    COAST 


SAN  FRANCISCO  INSTITUTE  OF  ART  —  Continued 

The  French  painters  are  represented  by  several  drawings  and  water  colors,  the 
work  of  such  famous  artists  as  Berne-Bellecour ;  Rosa  Bonheur,  who  is  represented 
by  a  fine  painting  of  a  "Lioness  and  Cubs";  Meissonier,  De  Neuville  and  Millet. 
There  are  two  landscapes  in  oil  by  Pelouse,  an  example  of  Van  Marke's  cattle,  and 
another  by  Troyon;  the  "Call  to  Prayer"  by  (Jerome,  and  the  "Captives"  by  Constant. 

The  most  important  accession  to  the  museum  is  the  Emanuel  Walter  collection, 
which  came  in  the  nature  of  a  bequest  from  Emanuel  Walter,  and  represents  his 
gleanings  through  Europe.  The  catalogue  shows  a  landscape  by  Constable,  three 
pieces  by  Corot,  a  battle  piece  by  Camphausen,  a  landscape  by  Chintreuil,  a  head  by 
Van  Kaulbach,  and  other  pieces  by  Bouguereau,  Alma-Tadema,  Jean  Francois  Millet, 
Gustave  Dore,  Landseer,  L'Hermitte,  and  many  more  of  note. 

Paintings  by  such  Californians  as  Keith,  Diekman,  Julian  Rix  and  Thomas  Hill 
including  Arthur  Mathews'  fine  historical  piece,  the  "Discovery  of  the  Bay  of  San 
Francisco  by  Portola,"  have  been  presented  by  Mrs.  Benjamin  F.  Avery,  Mrs.  Phoebe 
A.  Hearst,  Hon.  James  D.  Phelan,  Mr.  Edward  F.  Searles  and  others. 

SAN  FRANCISCO  REAL  ESTATE  BOARD  — 

See  Commercial   Organizations. 

SAN  FRANCISCO  STOCK  EXCHANGE  — 

See  Commercial   Organizations. 

SAN  FRANCISCO'S  SUBURBS  — 

The  Ferry  Depot  is  the  busiest  terminal  of  any  passenger  terminal  in  the  United 
States.  Over  41,500,000  people  pass  through  this  depot  in  a  year.  The  next  busiest 
terminal  is  the  South  Station  at  Boston,  which  handled  38,411,507  passengers  last 
year.  About  50,000  commuters  come  into  San  Francisco  daily  from  the  towns  of 
Oakland,  Alameda,  Piedmont  and  Berkeley,  on  the  east  shore  of  the  bay,  the  towns  of 
Marin  County  to  the  north  I  San  Rafael,  Sausalito,  Larkspur,  Boss,  Kentfield,  San 
Anselmo,  etc.  I,  and  the  attractive  Peninsula  district  to  the  south,  San  Mateo  County, 
comprising  the  towns  of  South  San  Francisco,  Milbrae,  San  Bruno,  Colma,  Easton, 
Burlingame,  Hillsboro,  San  Mateo,  Belmont,  San  Carlos,  Bedwood  City,  Fair  Oaks, 
Menlo  Park  and  Woodside. 

The  east  bay  cities  are  served  by  the  largest  ferry  system  in  the  world.  The 
Southern  Pacific  Company,  the  Key  Boute  System  and  the  Western  Pacific  Bailway 
all  running  ferry  boats.  The  Santa  Fe  runs  boats  to  Bichmond,  the  Northwestern 
Pacific  to  Sausalito,  and  the  Southern  Pacific  operates  a  train  service  down  the 
Peninsula  as  well  as  the  electric  line  operated  by  the  United  Bailroads  as  far  as 
San  Mateo.     All  boats  to  the  east   shore  cities   connect  with  electric  suburban  trains. 

Oakland  is  the  largest  of  the  suburbs  and  contains  a  growing  and  thriving  business 
district.  Many  of  the  San  Francisco  wholesale  houses  have  branch  warehouses  in 
Oakland  in  order  to  better  serve  the  trade  of  the  300.000  people  that  live  in  Alameda 
County.  While  the  other  suburban  towns  have  their  retail  stores  they  are  classed 
strictly  as  home  cities,  where  many  of  the  wealthy  San  Francisco  business  men  have 
their  homes  as  well  as  the  working  classes.  Hillsboro,  down  the  Peninsula,  is  the 
wealthiest  town  per  capita  in  the  United  States.  Every  resident  is  a  millionaire,  and 
many  have  laid  out  country  estates  that  are  unrivaled  for  beauty  and  originality. 

The  population  of  the  City  and  County  of  San  Francisco  (the  largest  consolidated 
city  and  county  in  the  United  States  and  containing  but  46V>  acres)  is  conservatively 
estimated  at  528,705,  while  the  Metropolitan  area  is  estimated  at  910,000.  While 
San  Francisco  is  the  eleventh  largest  city  in  the  United  States  according  to  the  Gov- 
ernment Census,  it  is  in  reality  the  fourth  largest  city,  for  while  Greater  San  Fran- 
cisco does  not  exist  politically  it  does  exist  as  a  large  metropolitan  area  in  which 
the  greater  population  must  be  taken  into  consideration  when  referred  to  in  a 
business   way. 

SAN  FRANCISCO  SYMPHONY  ORCHESTRA  — 

The  San  Francisco  Symphony  Orchestra  is  maintained  by  the  Musical  Association  of 
San  Francisco  with  offices  at*711-712  Head  building,  209  Post  street.  Frank  W.  Healy 
is  manager. 

The  Musical  Association  of  San  Francisco  was  founded  by  three  hundred  music 
loving  and  public  spirited  San  Franciscans,  December  20,  1910.  Article  41  of  the  by- 
laws of  the  association  states  the  objects:  "The  objects  of  this  association  shall  be 
to  foster  and  promote  the  art  of  music;  to  encourage  a  taste  therefor,  and  to  further 
the  creation  and  production  of  musical  composition,  vocal  and  instrumental;  to  own 
real  property  and  improve  the  same,  and  to  mortgage,  exchange,  lease  or  sell  the  same; 
to  acquire  personal  property,  and  to  pledge,  exchange,  lease  or  sell  the  same."  The 
membership  consists  of  patrons,  honorary,  foreign  and  regular  members.  There  is 
no  limit  to  the  number  of  members  and  the  dues  are  $100  per  year. 

The  Musical  Association  of  San  Francisco  has  fulfilled  its  worthy  purpose  in 
placing  before  the  people  of  San  Francisco  and  neighboring  cities  the  San  Francisco 
Symphony  Orchestra,  which,  under  able  leadership  and  with  excellent  musicians, 
produces  the  works  of  the  great  masters  in  a  highly  creditable  manner  and  creating 
a  discriminating  taste  for  music  of  the  higher  order.  The  largest  audience  that  ever 
attended  a  symphony  concert  in  America  assembled  at  the  Civic  Center  Auditorium 
Sunday  afternoon,  February  7,  1915,  to  hear  the   San  Francisco  Symphony  Orchestra. 

The  concerts  of  the  San  Francisco  Symphony  Orchestra  are  not  given  for  profit, 
and  the  work  of  the  Musical  Association  of  San  Francisco  calls  for  the  heartiest 
co-operation  of  all  who  believe  that  musical  culture  is  an  asset  to  a  community.  The 
officers  of  the  Musical  Association  of  San  Francisco  are:  W.  B.  Bourn,  president; 
R.  M.  Tobin,  vice-president;  John  D.  McKee,  treasurer;  John  Rothschild,  secretarv. 
Board  of  Governors— Dr.  A.  Balkan,  E.  D.  Bevlard,  W.  B.  Bourn,  J.  W.  Byrne,  C.  H. 
Crocker,  Win.  H.  Crocker,  F.   P.  Deering,  J.   1).   Grant,  Frank  W.   Griffin,  E.   S.   Heller, 

124 


SAN   FRANCISCO       THE   FINANCIAL,  COMMERCIAL  and 
INDUSTR  IAL   METROPOLIS  of  the  PACIFIC   I  OAS1 

SAN  FRANCISCO  SYMPHONY  ORCHESTRA       Conlii 

l.  \\  .  Hellman  Jr.,  A.  C.  Kains,  .1.  B.  Levison,  John  l>.  M 
Rothschild,    Dr.    •■rant    Self  ridge,    Leon    sh.s-,.    Sigmund 
R.   M.  Tobin   and   Antoine    Borel.     Mum.    <  ommittci      R.    M      i 
barkan,   E.   I).   Bey  lard,   E.  S.    Heller,  Joseph   D.   Ri 
Selfridge  and  Dr.  Stanlej    Stillman.     Executive  and   I  I 
chairman;  J.  B.  Levison  and  John  D.  Keefe. 

SCHOOL  CENSUS 

1-1  1  II.  s  1-  SROLLED  — 

During  the  year  ending  .linn    ::o.   rut 
During  the  year  ending  .linn    30,  1913 
During  the  year  ending  June  30,   1912 
Duriiin  the  year  ending  June  30,   1911 
During  the  year  ending  June  30,   1910 
During  tin-  year  ending  June  30,   1909 
During  the  year  ending  .nine  30,   1908 
During  the  year  ending  June  30,    1907 
During  tin-  year  ending  April   17.  1906' 
During  tin'  year  ending  June  30,   1905* 
During  tin-  year  <  tiding  June  30,   190  I ' 
During  the  year  ending  June  30,   1903* 
During  (In-  year  ending  June  30,   1902' 
During  tin-  year  ending  June  30,   1901* 
Din-inn  tin-  \  car  ending  June  30,   1900* 

•Note     Previous  i"  1906  tin-  Bgures  arc  taken  from  n 
clinics  duplications.     Private  schools  had  .-m  enrollment  "t   11,201  on   i 

SEAL  ROCKS  — 
Sec  Cliff  House. 

STADIUM  — 

Sec  Golden  Gate  Park. 

STANFORD   UNIVERSITY- 

Sec  Educational   Institutions. 

STATE  MINING   BUREAU,  LIBRAR\    \\l>   MINI  RAL  Ml  SI  I  M 
Located   in  the  Ferrj    building,  fool   "i    Market  street.     Entn 
world's  great   mining  regions,  California  might  be  expected  to  nui 
departmenl    of   mines.      And    it    does.     To   the   tourist,    the    inti 
experienced  mining  engineer,  there  are  few  places  in  San  Francis 

than  tin-  siali-  Mining  Bureau.      The  museum  contains  a  moat   valuabli  utiful 

mineral   collection.     There  are  about    18,000  specimens,  and  the) 

the  globe,  and  beyond;   for  al si  the  first  thing  one  sees  on  ei  •■ 

meteorites,  or  "falling  stars."     in  the  vestibule   is  a  Bne  exhibit 
tural   materials.     California  lias  produced  over  one  and  a   hall   billi< 
of  gold  since  Marshall's  discoverj   at  <  oloma  In  1848.      I  In    - 
for   output,   with    -si  .nun. (ion.     The   present    yield    is   about 
largest   among  the  stales.      Entering  the   museum  one   sees  a  comp 
<>i  a  five  stamp  ore  mill,  which  runs  i,\  electricity.     «»u  the  walls 

scenes   in   the  "diggings,"   With   here   and   there   s.une  such   int.- 

rocker   for   washing  gold    from   the   sand   and   gravel.      I 
fields,  and  models  of  mines,     ih.    long  cases  contain  minlni 

..i   quartz,  "i   uncut  dii ids.  of  nuggets,  .>i   beautiful  .mat.-,  mi 

beryl,    kunzite,   jasper,  jade,   aquamarines,   opals,   sapphires     nil    tin 
heard  of.      There  is  a  char  quartz  crystal  weighing  !"••  pounds. 

There  are  rare  specimens  of  leal   and  crystallim 
form  of  masses  .  i    wire,  and   in  exquisitel)    foliated  shapes,  1 1 K ■ 
There    are    stalacities    tinted    with    coppei    to    th<     ..■  ■  ■       il 
others   thai   look    like  growths   "i    bron 
mention  that  is  not  represented  hen       i  v 
nuggets  about  Ihe  size  ol  small  valises.     01   tin 
a   verj    respectable  percentage   inquires   h    the; 
is  also  a  model  ol  the  nugget  James  \V.  Marshall  found 
.i  .    American   River,  the  little  pellel   that   »ta 
the  mining  and  metallurgical   library,  ..  quite  rxl 
in  this  Qeld  "i   knowledge,  and  there  is  a  well  equipp<  I 
..tine. .1  the  Mate's  Departmenl  ••!   Mines. 

STEAMSHIP   LINES 

l  1//  i;l<    I  \    HAWAIIAN    STl   IMSIW    COMPASS 

Compauj    iBoston-  Pacific  I    i  I 

GREA1    \  hi;  l  llli:  \   PACIFH    S    s    CO.VP.4.V1        s 

minus  for  the  largest,  -p.  ediest  and  m    -! 

gaged    In   coastw  is.-   trad.-   on   an) 

■•(■rial  Northern"  and  "Northern  P 

pan}   operating  on  a  trl-weeklj   srhedu 

two  magnificent  ships  runnini 

ri..us   ...  can  scr\  i.  e  "ii   tin     I'.i,  IQi         I"hey  <  limb   I  I 

safetj .  e\  erj   up-to-the-mlnuu    featun    i 

catered  t".     Ih.    tin 

I  25 


SAN  FRANCISCO  —  THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 


STEAMSHIP  LINES  —  Continued 


S.  S.  Great  Northern  of  the  Great  Northern  Pacific  S.  S.  Company. 

have  met  with  universal  favor  since  their  advent  a  few  months  ago,  and  from  the  very 
first  found  their  way  into  the  favor  of  a  host  of  patrons,  especially  those  who  are 
familiar  with  whatever  is  best  on  the  ocean.  Descriptive  literature  of  this  service  can 
be  had  for  the  asking  at  065  Market  Street. 

W.  /{.  GRACE  &  CO.  —  Chile,  Panama,  New  York.     Pier  26. 
INDEPENDENT  STEAMSHIP  COMPANY  —  Eureka,  San  Pedro.     Pier  8. 
LUCKENBACH  STEAMSHIP  COMPANY  —  New  York,  Panama.     Pier  36. 
MATSON  NAVIGATION  CO.  —  Honolulu.     Pier  28. 

NORTH  PACIFIC  STEAMSHIP  COMPANY  —  Eureka,  Portland,  San  Pedro,  Santa  Barbara, 
San  Diego.     Pier  17. 


■H 


S.  S.  Shinyo  Maru  of  the  Toyo  Risen  Kaisha  S.  S.  Co. 

126 


SAN   FRANCISCO       THE   FINANCIAL,  COMMERl  I  \i.  and 
INDUSTRIAL   METROPOLIS  0/  the  PACIFH     COAS1 


STEAMSHIP  LINES       Continued 

OCEANIC  STEAMSHIP  COMPANY        Australian  porta,   Honolulu.      1 
PACIFIC   ALASKA    NAVIGATlOh    COMPANY        Alaska,    i 
and   12. 

PACIFIC  CO  1ST  STE  \  USHIP  <  <>\u>  \  \  |         Uaska,  I  ur<  1 

Pedro,  S;uit;i  Barbara.     Piers  0  and  11. 
PACIFIC  \l.\ll.  STEAMSHIP  COMPANY        I  hina,  Manila,  Japan,  Honolul 

Panama.     Piers   10,   12  and   1  1. 
PACIFIC  NAVIGATION  COMPANY        San  Pedro,  v.; 
SAN  FRANCISCO  AND  PORTL  iND  si  i   i  \ismr  <  OMP  W)  . 
TOYO  RISEN  KAISHA   <<>i:n  \i  \i.  s.  s.<  0.         I  h.   vessels  ol  this  I 

vers  popular  and  have  been  long  and  favorablj  known  h>  tin 

The  San  Francisco  Qeei  consists  ol  Ihe  following  stei 

Maru,"  "Shinyo  Maru,"  each  of  22,000  tonnage  and  21   knot 

Main"  of  11,000  tonnage  and    17  knots  speed.     All  vessels  a 

orchestra,  bathing  tank  ;  electric  fans  and  electric  lamps  In  •  Bi  h   In 

and  all  soils  of  amusements;  a  theatre  deck   for  dancing,  music,  ■!.  ..   .•   i 
dark  room,  and  a  dailj    newspaper  giving  the  world's  happen  1 1  . 
triple  screws,   turbine  engines,  silenl   and   vibrationless,   liif 

Full  information  will  be  Furnished  at  the  i ipany's  ■ 

Francisco. 
UNION  STEAMSHIP  COMPANY         Australian  ports,     r 

Slow  LAKE  — 

See  Golden  Gate  Park. 

SUTRO  BATHS  AND  MUSEUM 

Here   is  a   \  ast   structure  covering   mark    thri  round   and 

largest    indoor   swimming  tank   ever   built.     hT<    area   devoted   t"   ball 
153  by  285  feet.     The  northeasterlj   pari   is  divided  Into  live  tanks,  0I   wh 

28  feet  wide  by  78  feel   long,  and  the  fifth  the  m i  length  and   15  reel  In  ■ 

rest  of  the  bathing  area  forms  an  L-shaped  pool,  285  feel   long  and 

157  feet,  when  it  merges  Into  the  base  oi   the  l ..  and   runs   i 

In  addition,  there   Is  a   fresh-water  plunge.      The  Museum,  disposed  along  Ihe  p 

enade  and  galleries,  contains  some  notable  displays,     The  buildii 

the  installation  of  tins  collection  was  ■  ol   the  last  undertakings  "t   Mr.   s 

died  in  1898,  two  years  alter  the  gigantic  structure  was  completed. 

SUTRO  HEIGHTS  — 

This   beautiful  place,  with   its  palm  avenues,   its  rare  tiers  ami  brilllanl   (1 

reproductions   of   classic   sculpture   ornamenting   shad' 

balconies  20(t  feel   above  the  sea.   with  then?  grand   views 

mountain  chain,  is  the  private  garden  surrounding  the  homi 

former   mayor   of   San    Francisco;    the   man   who   drove   the    famous   lunm 

Comstock   lode,  unwatering  the  mines  and  reopening  their  treasure    i 

has    been,    ever    since    its    creation    OUl    "I    the    barren    hills,    op 

ihe  munificence  of  Mr,  Sutro  during  his  hie  and  the  continuance  ■■!  Ih< 
policy  b\   the  members  of  his  family.    To  westward  "t  the  residence    will   i 
broad    terrace    Burrounded    bj    the    Parapet,    on    which    stand    I  I 
figures,   some  of  them   copied   from   the   m.>st    famous   statues    In 

Over   the   sea.  and    up   and   down   Ihe  coast    is   nothing   less  than    w. 

Leave  the  Parapet  ami  descend  b]   the  rock  stalrwaj   to  Ihe  nub: 

to    the    lialrnnv     ami    boardwalk.       for    three   miles    >,.n    ran 

iii  errupted  line  ol   pounding  breakers  and  sheets  "t   swimming  I 
the  mosl  sublime  and  Inspiring  scenes  to  be  t id. 

TELEGRAPH   HILL  — 

TO   the  extreme   right   of  the   peninsula   ol    San    I 

with    dwellings   Clinging   to    its    Hanks    and    tie.s    upon    its    ,i,sl        I 

phon its  300-foot  height  announced  Incoming  vessels. 

THEATERS  — 

Pew   modern  cities  have  contributed  more  to  thi 

Francisco,   with    its   discriminating   taste,    It 

Hood  in  the  drama,  and  its  cordial  appro  latli  n 

the  greatest  actors  were  drawn  to  <  alifornia.     I  >l«  In  i 

stormer  w  her.   he  could  gel  no  beth  r  h 

wen-  the  Brsl  managers  ol   the  old   I  al 

San    Francisco   and    was    stage   manager   "t    lh<     i  N'     H     ' 

the    Hush    street    Theater    ror    Bfteen    years    toll 

theatrical    career    In    San    Francisco.      William     \ 

ins  theatrical  i  at  eer  In  tins  citj ,     Blam 

well's    l  heal.  r.  in  San   l  i  am 

at     the    Van    Ness     Seminal  v  .       Uav  Id     W  Bl  111  Id.    n 

head    usher    In    the    bush   Street    I  i 

Wigwam      Vaudeville   developed    its   best    form   In   this 

Orpheum    is   the   mother   theater   of   the   famous   "Orphrum 

vaudev  die  entertainment    In   ■  hicago,   s 

out    the    United    Mates,   and    which    has 

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INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 


THEATERS  —  Continued 

The  Orpheum  was  built  on  its  present  site  in  1887,  by  Gustav  Walter,  who  had  been 
successfully  conducting  a  music  hall  called  "The  Fountain"  in  the  Thurlow  block, 
on  Kearny  street,  and  the  Germania  Gardens,  in  the  Mission.  Ethel  Barrymore  and 
Sarah  Bernhardt  have  appeared  on  the  Orpheum  stage.  The  present  house  was  dedi- 
cated on   April   19,  1909. 

Probably  the  theater  that  stands  highest  today  in  the  affections  of  San  Franciscans 
is  the  Tivoli,  on  Eddy  street  near  Mason.  It  has  furnished  both  opera  bouffe  and 
grand  opera  to  two  generations,  under  such  circumstances  of  homelike  simplicity  and 
comfort  that  it  has  become  an  intimate  part  of  the  life  of  the  city,  and  the  reopening 
of  the  theater  in  its  new  home  on  March  12,  1913,  with  Andreas  Dippel's  Chicago 
Opera  Company,  and  Tetrazzini  singing  Gildea  in  "Rigoletto,"  was  one  of  those  heart- 
warming events  that  have  done  so  much  to  make  the  new  city  one  with  the  old. 
The  Tivoli  had  its  origin  in  the  old  Vienna  Gardens,  on  Sutter  street  near  Stockton, 
next  to  the  synagogue,  the  Temple  Emanu-El,  in  the  centennial  year  of  1876.  The 
house  had  been  built  in  boston  and  shipped  around  the  Horn  in  sections  for  Judge 
Burritt,  and  afterward  became  the  home  of  Dr.  A.  J.  Bowie.  Here  F.  W.  Kreling  and 
his  sons,  Joe,  William,  John  and  Martin,  conducted  a  place  of  entertainment,  where 
people  could  sip  beer  and  smoke  and  enjoy  "variety,"  long  before  the  days  of  vaude- 
ville. Prospering,  the  Krelings  wanted  a  large  house  than  the  one  that  had  come 
in  a  ship,  and  built  it  on  the  Eddy  street  lot,  in  1877.  How  the  old  Tivoli  looked  from 
without  you  can  see  by  the  bronze  relief  on  the  west  wall  of  the  vestibule  of  the 
present  one.  In  1895  regular  grand  opera  seasons  were  instituted.  In  1903  the  Tivoli 
moved  across  the  corner  to  the  old  cyclorama  building  rebuilt  as  an  opera  house. 
Here  Tetrazzini  sang  Gilda  to  roof-raising  applause,  which  sent  her  forth  with  a 
San  Francisco  triumph  to  her  credit — and  San  Francisco's  judgment  of  her  was  con- 
firmed by  the  world.  After  the  fire  she  came  back  to  sing,  as  a  mark  of  gratitude, 
in  the  streets  of  the  city  that  had  first  acclaimed  her,  and  on  the  completion  of  the 
new  Tivoli  she  again  appeared  in  the  role  in  which  a  discriminating  San  Francisco 
audience  had   recognized  the  rise  of  a  new  star. 

There  are  no  old  theaters  of  any  consequence  in  San  Francisco.  The  new  structures 
have  all  been  built  under  the  most  exacting  safety  regulations,  and  are  better  equipped 
and  more  modern  in  every  respect,  with  stout  steel  frames,  fire-proofed  walls  and 
plenty  of  exits.  In  decoration,  the  best  of  them  are  unsurpassed.  The  following  list 
will   give  the  principal   downtown  playhouses   and  their   locations: 

ALCAZAR  —  O'Farrell  street,  between  Powell  and  Mason. 

COLUMBIA  — Geary  and  Mason  streets. 

CORT  —  Ellis  street   near   Stockton. 

EMPRESS —  Market  street,  between  Fifth  and  Sixth.     Vaudeville. 

HIPPODROME  —  Formerly  Gaiety.     O'Farrell  street,  between  Stockton  and  Powell. 

ORPHEUM  —  O'Farrell  street,  between  Stockton  and  Powell.     Vaudeville. 

PANTAGES  —  Market  street,  opposite  Mason.    Vaudeville. 

SAVOY  —  McAllister   street  near  Market. 

TIVOLI  OPERA  HOUSE  —  Eddy  street,  between  Powell  and  Mason. 

There  are  four  auditoriums  in  the  residence  district  west  of  Van  Xess  avenue  that 
are  the  scene  of  gatherings  too  large  for  the  ordinary  downtown  halls.  Here  are  their 
locations : 

AUDITORIUM  —  At  Page  and  Fillmore  streets. 

COLISEUM  —  Baker  street,  between  Oak  and  Fell. 

DREAMLAND  RI\K  —  Steiner  street  near  Post. 

PAVILION  RISK  —  2189  Sutter  street,  corner  of  Pierce. 

TWIN  PEAKS  TUNNEL  — 

The  largest  municipal  tunnel  in  the  world,  devoted  to  rapid  transit  purposes,  is  now 
in  course  of  construction  in  San  Francisco,  and  will  be  completed  in  about  two  years. 
The  easterly  portal  of  the  tunnel  will  be  at  the  intersection  of  Seventeenth,  Market 
and  Castro  streets,  and  the  westerly  portal  will  be  about  3,000  feet  easterly  of  the 
intersection  of  Sloat  and  Junipero  Serra  boulevards  and  Portola  drive  (formerly 
Corbett  road  I.  The  tunnel  will  be  a  single  bore  approximately  12,000  feet  long  and 
of  a  general  width  of  twenty-feet,  lined  with  reinforced  concrete,  and  will  contain 
double  tracks  for  electric  railways.  The  cost  of  the  tunnel  when  completed  will  be 
about  $4,000,000.  Six  hundred  thousand  dollars  was  expended  for  rights  of  way, 
practically  all  of  this  amount  being  involved  in  the  purchase  of  a  strip  of  land  ninety- 
five  feet  in  width  and  about  2,000  feet  in  length — being  the  approach  to  the  easterly 
portal.  The  s  1,000,000  involved  in  the  cost  of  constructing  the  tunnel  and  the 
acquisition  of  rights  of  way  was  raised  by  assessment  on  property  lying  west  and 
east  of  Twin  Peaks.  About  85  per  cent  of  the  amount  has  been  contributed  by  prop- 
erty west  of  Twin  Peaks.  The  construction  of  the  tunnel  is  designed  to  bring  within 
a  twenty-five-minute  radius  from  Third  and  Market  streets  the  district  lying  west 
of  Twin  Peaks  which  cannot  now  be  reached  in  less  than  from  forty-five  minutes  to 
one  hour.  The  tunnel  is  intended  for  rapid  transit  purposes  exclusively  and  will 
not  be  used  for  vehicle  or  pedestrian  traffic.  Two  stations  are  to  be  constructed  within 
the  tunnel,  one  at  Eureka  street  and  the  other  one  near  Forest  Hill.  The  effect  of  the 
tunnel  will  be  to  render  accessible  50, 000  building  lots  and  thus  provide  homesites 
for  at  least  an  additional  population  of  100,000  in  San  Francisco  who  otherwise 
would  live  in  transbay  cities  or  in  San  Mateo  County. 

128 


SAN   FRANCISCO       THE   FINANCIAL,  COMMERCIAI 
INDUSTRIAL    METROPOLIS  0/  th,    PACI1  l(     COAS1 


TONNAGE  MOVEMENT,  POR1    0]    SAN   FRANCISCO 

See  Shipping  in  San  Francisco. 

UNIVERSITY  OF  CM. II  ORNIA 
Sec  Educational   Institutions. 

UNITED    STATES    COURT    HOUSE    \\h    POSTOFFIC1     BUILDING 

Situated   at   the   north   corner  ol    Mission   and    Seventh 
Postoflice  like  this   in   tin    1  nit,, 1   Suites.     Here   you    w 
not    white    marble    only,    bul    rich,    warn 
Numidian,  trimmed   with   Verde    Antique  and   wil 
Maryland.     The  -^  1  >  l « ■  <>\   treatment   is  Itulian  Rei 
quadrinated   vaulting  are  picked   out    In  ulass   i. 
with    It.     Some   of   the    United   States   couii    rooms   an 
pressive,  and  the  chambers  are  Qnished   In  a   «.^    tl 
us  sumptuous.     The  building  cost  two  and  a  hall   mill 

The  United  States  '  Ircuil  Courl  ,,t    Appeals,  for  th<    Ninth  I 
h;is  the  widesl  range  "i  jurisdiction,  territorially,  "i  ai 
It  hears  appealed  cases  from  the  whole  Pacific  <  ■  ..i-i 
fornia,  Oregon,  Alaska,  Hawaii  and  even  from  the  l  niti 
in  Shanghai.     In  addition  t"  the  Postoflice,  the  structure  hou 
libraries  and  chambers  of  two  divisions  "i   the   1  nit. .  1 
Northern    District   <>i    California;   of   the    Master    In   <  ho 
ofllcials.      \t    present    the   S;m    Francisco    Postofllci    hold 
United  states  in  respect  t"  postal  receipts.     Since  1888  th.^,    i. 
to  (2,670,179  for  the  fiscal  year  ending  June 
a  year,  or  over  300  pei   cent  in  the  annual  totals,  in  t«, 

UNITED  STATES  CUSTOM   HOI  SI 

Facing   Batter}    street    and   extending   from    Washington   la 
pressive  and   beautiful   structure,  erected  since  th 
half  dollars,     it    is   built   "i   granite  and   handsome!)    iimsi 
bronze.     Here  ships  are  documented  and  registered  and  customs 
dues  collected. 

1  1  STOMS  hi     1  111  - 
Receipts  "i  customs  duties  paid  Into  the  l  nited  States    i 


: 


Months 

I'M  i 

January 

February 

■ 

March 

\|n  il 

id  g 

'■' 

June 

-,,  to 

.IiiIn 

August 

SOfl  1 

September 

181. H 

October 

November 

I).,  ember 

ToUU 

1010 

161  g 

.  "i  u 

■ 

:  1 1 

• 

. 

I  ii.  s,    Hg 
Hank  >d   Oakland       Foi    thi 

I  1   list,    111!)     .1 


UNITED  STATES  MIN  I 
\t  the  « esterlj   ci  met   ol    " 

Will     take    \isit.,is     through     and    -\| 

building    is   ni  i  lute  turnllj    h  i 
,,1    th,    l  mi,  ,1   Stab  s  .,1    \> 

with    a    s,  iis,     ol    thi 


■ 


SAN   FRANCISCO       THE   I  l.\\\<  I  \l..  COMM1  I  •,,/ 

INDUSTRIAL   METROPOLIS  of  ///-•  PACIFK     COAS1 

UNITED  STATES  MINI"       <:<>ntiiuir<l 

si\   line   Dmic   columns,   forming  a   portico,   above   an    imp 
steps.     The  building  dates  from  1873,  unci  sustained  ;■  Im- 1^ ' 
of  1906,  <>r  from  tin-  earthquake.     The  original   Mint  build 
on  Commercial  street. 

More  gold   has   been   coined   at   the   San    Francisco   Mint    i 
1854  th;ii)  :it  any  other   in   the  country,   not   even   excepting    Phil 
been  coining  since   1793.     At   this  writing  tin-  San   I  ranclsco  Mint   is  I 

the  country   when'  gold    is  coined.     Over   11,432, worth 

pieces   have   been    minted   at    San    Francisco.     Of   ten-dollai 

have  been  produced  hen-,  and  (138,120,040  iii  live-doll 

quarter  thousand  gold  dollars  have  been  coined  :it  this  mint,  bi 

found  except  at   an  occasional   money    lender's  office  along  Montf 

three-dollar  gold  pieces  and  a  large  number  of  quarter-eagles   » 

Mint  will  undertake,  on  contract,  to  turn  •  > 1 1 1  mone)   for  an)   i  entral    \ 

or  Pacific  island  thai  has  no  coinage  facilities  ol   its  own. 

In  the  fiscal  year  1912  this  Mint  received  ovi  worth  of  | 

from  all  over  the  Pacific  Coasl   and  Alaska,  some  from   thi 
even  Japan  and   Australia.      The  processes  are  Interesting  to   watch,  and  v 
always  welcome.     The  supposition   is  quite  general  thai   a  mint 
bullion,  tnkes  it  to  the  Mint  and  receives  the  same  metal   I 

verted    into    coin    of    the    Republic.       He    .Iocs    not.       What    hap] 

The  bullion   is  taken  to  the  receiving  room,  and  the  owner  gets   : 

by  gross  weight,  with  nothing  said  oi  its  value.    Thence  it  goes  to  Ihc  deposit  he 

where  most  of  the  base  metal  and  dirt   is  eliminated,     Back  In  the  n  nn  it 

is    weighed,    and    then    goes    into    a    machine    that    chips    a    little    "II    each    lid 
pieces    are   assayed    to    determine   their    fineness.      Weight    and    ass 

over  to  the  computers,   who  by   an  exhaustive  calculation   ascertain  the  vi 

cheeks   on   this   process   an-   so   complete   that    all   danger   of   error    is   eliminated.      \ 

warrant    is    drawn    lor    the    amount,    less    charges    lor    assaying    at    I 

depositor  receives  his  mone)   on  the  daj    following  the  deposit.      lin    hull 

the  propertj   of  the  United  states.     At  present  little  gold  is  being 

of  it  are  likely  to  be  melted  dow  n  into  bricks    .i   about   tour  hundred 

about    18,000    each,    and    stored    like    paving    blocks    in    the    basement.       If    (hi 
Silver    it    receives    this   sort    of   treatment:      first   the   inciter   ami   refiner   takes 
bullion    and    puts    it    through    an    electrolytic    refining    process,    which    turns 
line,    ami    better.       It    then    receives    an    addition    of    enough    copper    I..    . 
thousandths    line.       In    the   melting    room    it    is    run    into    in^.ts.    which 
pickle,    smoothed    on    the    edges,    trimmed    at    the    ends     and    sent    ha.  k    lo    tl 
room,   where  the  metal    is   weighed   and   assaved   once  more,   ami   di 
as    nood    and    proper    law     material     from    which    to    make    mone)  I  his     h 

process   makes  a    fascinating   scene,  with  the   liquid   gold  or   silver   | i 

the    iron   molds. 
The  coiner's  department  takes  tin    ingots  and  bj    successive  passages  Ihroui 

rolls    reduces    them    to    strips    ten    to    twelve    fed    long,    and    Coin    thick 
ribbons   then  go   through   a   machine  that   punches  OUl   Ihe  planch-" 

look  like  buttons  with  the  shanks  lost.      \  weigher  sits  alongside,  snatchii 

from    the    hopper    as    thev     tall     from    the    machine,    and    weighing    Ihen 
that    the    Strip    has    been    lolled    ei,..ugh.    and    that    nobodj     Is 

Uncle   Sam's   metal    in    his   money.      Annealing   and   cleaning   follow 

through  the  dryer,  whence  the  blanks  go  to  the  milling  machine  and  tin    \ 

be    milled,    reeded    on    Ihe   idges.    ami    stamped    into    legal    tender.      Win 

stamping  is  preceded  by  more  weighing,  in  automatic  weighing  mach 

lhe\     have    lo    be    encased    in    glass,    ami    so    Ingenious    that    lhe>     - 

heavies,  automatically,  from  blanks  ..i   proper  weight.     The  light 

and    must    go    the    round    again,    but    the    heavies    an-    i  lamped    in    .1    loth) 
at     a     time,    and     delicatelv     Bled     on     the     edges     as     thev     turn.        I! 

counted  bv   means  of  hoards  fitted  with  Addles  or  nets,  which  i 

uniform     number,    and     llnallv     thev     no    to    the    g'  BOtll 

called   into  circulat  ion. 

The    long-continued    heavj    coinage   of   gold    at    Sn 
nected   with   the   peculiar   financial    hlstorj    ol    Callfot 
have  always   preferred  coin   lo  currency,  ami   it   maj    have 
sentimental  regard  for  the  metal  then   mines  I  that  all  through  lh» 

thev    Conducted    their    business    em    a    specie     payment    basis        1 

It,  and  general  convention  refused  lo  recognize  lh< 

except    at    enormous    discount.      f*hosi     Interested    In    num 

entrance   room   of   Ihe   Mini    a    rerj    Interesting  collection   ni 

Socierj  "t  I  allfornia  Pioneers,  an. I  here  alsi 

te.  the   Government.     In   the   Pioneers'  collection   ••(    coins 

bearing  the'  stamp  "i    Frederic*   D.   Kohler,    - 

culated  as   money,  oi   the  value  -i    150      These   wer<    days 

was    scarce    ami    it    was    the'   CUStom    t"i     the-    San    Fronclsco    n 
balances    on    his    counter    lo    Weigh    th.     gold    "lust,    which    p.. 

Some  more  convenient   medium  of   exchange   was 
been  established,  s..  prlvati    Arms   Issued  stamped   Ina 
circulated  at   the-  face  value  •■'    150      in  Ihe  windows 
along  Montgomery   street  tin  re-  can  still  b<   s,.-,  »p 

as    thev    are'   .ailed.    s,.no     ..|    th.ni    issue, I    bv     tugUStUS    Iturnl  • 

and  dated  1851  and 

131 


SAN  FRANCISCO  — THE   FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 


UNITED  STATES  MINT—  Continued 

TOTAL  UNITED  STATES  COINAGE 
Mint  of  the  United  States,  San  Francisco,  Cal. 

Double  Eagles $1,432,570,520.00 

Eagles        ..                                                         141,384,060.00 

Half  Eagles                                                                              138,1-20,040.00 

Quarter  Eagles                                            1,861,255.00 

three  Doll.irs 18f5.3O0.OO 

Dollars 90/23-2.00 

Total  Gold  Coinage  to  December  31.  1!>U                                                       $1,714,212,407.00 

Dollars $109,522,073.00 

Trade  Dollars 26,647.000.00 

Half  Dollar  ...  31,785.445.50 

Quarter  Dollars .  ....  11,289,534.25 

Twenty  Cents 231,000.00 

Dimes .     ...  8,541.218.90 

Half  Dimes .  119,100.00 

Total  Silver  Coinage  to  December  31,  1914 $     188.136,371.65 

Five  Cents $351,100.00 

One  Cent 284,730.00 

Total  Minor  Coinage  to  December  31,  1914 $635,830.00 

Total  U.  S.  Coinage  to  December  31,  1914 $1,902,984,608.65 

Foreign  Coinage  to  December  31,  1914 ■  83,217.071.72 

Grand  Total  Coinage  to  December  31,  1914 $1,986,201,680.37 

VINEYARDS  — 

See  production  of  California. 

WATER  SUPPLY  OF  SAN  FRANCISCO  — 

As  soon  as  the  excitement  of  the  gold  rush  had  somewhat  subsided  and  the  pioneers 
began  to  reflect  on  the  needs  of  the  permanent  city  that  would  doubtless  rear  itself 
on  this  peninsula,  it  became  apparent  that  a  pure  and  adequate  water  supply  was 
essential  to  the  future  of  the  community.  Out  of  these  needs  has  grown  the  extensive 
system  owned  and  operated  at  present  by  the  Spring  Valley  Water  Company.  The 
earliest  supply  of  water  came  from  wells  and  springs  within  the  city's  limits,  hut 
as  a  more  congested  population  began  to  require  a  greater  supply  than  these  sources 
could  produce,  additional  water  was  brought  from  Marin  County  and  distributed  by 
water  carts.  It  was  during  the  fifties  that  the  development  of  an  outside  supply  of 
water  was  undertaken.  At  that  time  the  Mountain  Lake  Water  Company  was  organized, 
which  proposed  to  deliver  water  from  Mountain  Lake,  near  Lobos  Creek.  It  was  not 
until  1858  that  the  San  Francisco  Water  Works,  which  had  been  organized  in  the 
preceding  year,  began  the  delivery  of  water  from  Lobos  Creek,  around  the  shores  of 
the  Golden  Gate,  through  a  tunnel  under  Fort  Point  and  by  flume,  pipe  and  tunnel 
to  Black  Point,  from  whence  it  was  pumped  into  two  reservoirs  at  suitable  elevations. 
Protracted  litigation  between  the  two  companies  ended  with  the  suspension  of  the 
Mountain  Lake  Water   Company   in  1862. 

The  Spring  Valley  Water  Works,  as  the  present  company  was  originally  organized, 
took  its  name  from  a  small  spring  said  to  have  been  located  near  the  intersection 
of  Mason  and  Washington  streets.  George  H.  Ensign  organized  the  company  in  1858 
under  a  charter  from  the  Legislature,  but  from  lack  of  capital,  his  operations  were 
limited  and  his  company  was  taken  over  by  stronger  financial  interests  in  1860.  The 
new  company,  that  is,  the  original  Spring  Valley  Water  Works,  was  the  first  to  develop 
water  on  an  extensive  scale.  It  proceeded  at  once  to  develop  a  supply  from  Pilarcitos 
Creek  in  San  Mateo  County  and  began  the  delivery  of  2,000.000  gallons  a  day  into 
San  Francisco  in  1852.  Meantime,  the  San  Francisco  Water  Works  continued  to  exist 
and  deliver  water  from  Lobos  Creek  until  1865,  when  it  was  consolidated  with  the 
Spring  Valley  Water  Works.  The  only  change  since  the  consolidation  was  the  reorgani- 
zation of  the  company  in  1903  as  the  Spring  Valley  Water  Company  and  the  develop- 
ment of  new  sources  of  supply  as  the  growth  of  the  city  demanded. 

In  meeting  the  needs  of  Sail  Francisco  for  a  water  supply,  many  difficulties  have 
had  to  be  overcome  that  do  not  usually  present  themselves  singly,  and  rarely  col- 
lectively, in  any  other  city.  One  is  the  peculiarity  of  the  dry  and  wet  seasons  that 
causes  the  periods  of  rainfall  to  be  interrupted  by  long  periods  of  drought,  to  tide 
over  which  an  unusually  large  storage  capacity  is  required.  Another  is  the  topography 
of  the  city,  consisting  of  many  hills  and  depressions  that  present  great  difficulties  in 
maintaining  a  good  pressure.  Addded  to  this  is  the  isolated  situation  of  San  Fran- 
cisco on  the  end  of  a  peninsula.  With  the  exception  of  the  Lobos  Creek  supply, 
which  is  no  longer  in  use,  the  peninsular  supply  was  the  first  to  be  developed  by  the 
Spring  Valley  Water  Works.  It  developed  these  resources  until  they  include  three 
great  sources  in  San  Mateo  County,  with  a  watershed  having  an  area  of  about  thirty- 
six  square  miles.  This  is  one  of  the  most  delightfully  situated  tracts  around  the 
Bay  cities,  consisting  of  beautifully  wooded  hills  and  dales  under  abundant  rainfall 
and   possessing  a  rich  verdure  the  year  round. 

Beginning  with  the  land  in  the  City  and  County  of  San  Francisco,  the  Spring  Valley 
owns  more  than  thirty  tracts,  with  a  total  area  of  more  than  2,000  acres,  of  which  the 
greater  part  consists  of  the  water-sheds  surrounding  the  Lakes  Merced,  including  the 
lakes.  The  other  properties  within  the  county  comprise  reservoirs,  rights-of-way, 
tanks,  crossings,  pumping  stations,  etc.  The  two  Lakes  Merced  are  situated  in  the 
southwest   corner  of  the  county  and  have  an  area  of  about  350  acres.     They  are  fed 

132 


SAN    Hi  \MIS(.(»        |  in,    |  |\\\<  |  \|..  <  OMMERI  I 
[NDUSTRIAL   METROPOLIS  o/  the  PACIFK     COAS1 


WATER  SUPPLY  OF  SAN  FRANCISCO       Contii 

by   innumerable  springs   in   the   bottom  and  around  the  shorn  ol   ti 
through  the  sandj    water-shed  "i    about  eight   square  miles 
system   has   been    installed,   l>>    means   "t    which   the   surfaci 
water-shed  are  diverted   and  carried   towards  and   into  lh< 
of  a  dam  at  the  outlet  of  each  hike  has  served  t"  proi 
two  and  one-half  billion   gallons.     As  tins   large   watct 
the    limits   "I    the   cit>    and   county,    San    Francisco    is    p 
famine  in  case  the  outside  supplies  should  be  tempoi 
earthquake  or  war,      \  pumping  plant,  known  ;is  the  "<  it\   Pump 
on  this  property.     Of  the  company's  San  Mateo  <  ountj 
consists    of    the    Pilarcitos,    San     Vndreas    and    <  rystal    spi 
water-sheds,   which  comprise   nearlj    25,000  acres. 

The  Spring  Vallej    Water  (  ompanj  owns.  ..i   controls,  on  the    Vlon 
(Mt.  Hamilton  and   Mi.  Diablo  range  of  mountain 
shed,  on  which  there  are  three  large  reservoir  sites,  which  will  )>• 
;is  the  demand  for  water  Increases,      rhej   are  known  as  tl 
and  Arroyo  Valley  sites,  and  the  whole  system  is  general!)   n 
The  presenl  average  dailj   supplj    from   tins  ssytem   is  about   slxti 
and  conies  limn  the  filter  galleries  located  In  Ihe  gravel  beds  and 

The   present    producl    of  about    sixteen    million   gallons    • 
water    is    conveyed    westwardlj    through    the    Sunol    aqueduct,    consist 

concrete   lined    tunnels   and    some   stretches   ol    heavj    red* I    Dunn 

receiving  station  near  Siles  al  an  eleavtion  ol   al t   180  fi 

carried  underground  through  a  36-inch   wrought-iron  plpi 

Newark,  where  the  pipe  line  rises  onto  a  pile-bridge  on  which  it 

of  16,000  feel   (over  three  miles)  to  Dumbarton  Point  on  the  east  side  ol  ti 

the   waj    to   Dumbarton    Point    the   water-    is  conveyed    under   n   it 

thereafter  under  the  Baj  ol  San  Francisco,  through  four  submarit 

two  of  these  pipes  being  sixteen  inches  in  diameter     constt 

being    twenty-two    inches    in    diameter     constructed    in    1901-2.      I 

of  the   four   lines   of  pipe   under-  the   slough    is  300   feet,  and   that    UI1«I< 

feet.     In   the  channel   ..i    the   bay,   the   bottom   on   which   the   pip 

fiftj    feet   below    the  high-water  level.     These  pipes  are  con 

ban]  and  the  slough  with  the  36-inch   Vlameda  pipe  line. 

On   the   westerlj    shore  of  the   Bay,  al    Ravenswood,  the   four  submai 
into  one  36-inch  wrought-iron  pipe,  which  is  carried  on  ■  pile  pipe  ti 
marsh    land   a   short   distance   and    thence   underground    to   the 

Belmont.     The  Beln t  pumping  plant,  which  consists  of  Hve  untts,  ) 

lifting    twenty-three    million    gallons    ol    watei    a    day.      Hen     II 

pumped    into   a   standpipe   having   a   height   ol 

enters  a  36-inch  wrought-iron  pipe  Hue  which  passes  tin-.. 

ami    joins    1 1 1  <  -    Alameda    al-inch    pipe    line    near     Iturl  i  ii^arm 

nected  with  the  <  rystal  Springs  pipe  line  at  the  Millbrae  pump 
with  the   14-inch  •  rystal   Springs  pipe  line. 

In  addition  t..  its  large  holdings  on  the  San   Francisco  Penh 
Water   Companj    owns    properties   and    water   rights   on    Iht 
system   above  described.     Thej    are   located   on   tl 
Gregorio  Creek  and  the   Pescadero  i  reek,      l  he  two   latl 
gravitj    Into  the  Portoia  reservoir  on  the  San  Francisquito  i 
bj     gravitj     Into    the    <  rystal    Springs    system.       rhi 
increasing  the  presenl    peninsula  supplj    bj    aboul   lwenly-fi> 
The  distributing  pipe  system  in  San  I  rancisco  contains 
Iron  pipe  varying  in  diameter  from  22  to    II   Inches,  and  • 
cast-iron  pipe  varying  from  30  to    '•  Inches   In  dlameti 

\\  I  si  I  l;\    [NDUSTR1  ^L  CENTER 
The  opening  ol   the   Panama   '  anal   ha 

Industrial  eon, hi s  ..,,  the  Pacifli    i  ...isi       n,. 

been   accuratel)    estimated,   but    it    is   i  , 

has  been  enabled   to  turn  in.   face   from  Ihe  setting  sti 

the  awakening  realization  "i   .,  new    mid  ol 

•  •I   eastern  business  has  forced  the  western  mnuul 

ol    the  continent,      rhe  smallest   huslnei 

lo|-      the      dlstrlbul I       ^..".Is.      while      M 

agents  have  extended  tin  us  to  much  •■!    tin 

belong  to  San   Francls<  o  and  otht 
seemed  certain  to  nffeel  tins  condition,  and  when  • 
through  the  canal  announced,  with  tolls,  were   10  , 

out   tolls,  t  he  i  ui  i   i  ■•'  ■  ■    -I    '  i  ■    ■  ■  v 
rates  demand  thai  Ihe  great   hulk  ••!   pi 
a  large  eastern  section,  will  come  h>   w 
i  oast  ports,  thus  to  be  distributed  t< 
i  oupled  w  1 1 1 1  these  >  \>  eed mul \ 

the    t    nlted    Stales.    Ill    the    ln.w     I.iiii.mis    I 

case,    has    established    conditions    • 
decisions    make    it    onlj    posi 
established  through  lh< 
intermediate  business.       Phe  p 

handle    business     li..m     S 

handle  the  business   from  east 

San     Francisco,    w  In.  h    al     one    tun 

I.,  come  the   beginning  ol 


SAN  FRANCISCO  —  THE  FINANCIAL,  COMMERCIAL  and 
INDUSTRIAL   METROPOLIS  of  the  PACIFIC   COAST 


WESTERN  INDUSTRIAL  CENTER  —  Continued 

probably  be  felt  as  far  east  as  the  Rocky  Mountains,  and  the  western  business  man 
can  look  with  confidence  to  the  expectation  of  the  natural  •western  territory  which  is 
tributary  to  western  ports. 

The  natural  thing  for  middle  western  manufacturers,  under  this  new  order,  will 
be  to  establish  factories  on  the  Pacific  Coast  to  care  for  Pacific  Coast  business. 
Fortunately,  the  growing  population  of  the  Pacific  Coast  area  makes  this  an  attractive 
thing.  There  are  at  the  present  time  some  six  million  people  west  of  the  Rocky 
Mountains,  half  of  whom  are  in  the  State  of  California.  The  West  is  the  most  rapidly 
growing  portion  of  the  United  States,  and  California  with  all  of  its  wonderful  resources 
and  ability  to  sustain  a  great  population,  will  doubtless  enjoy  a  continuous  growth, 
which  will  make  it  a  great  market  for  a  growing  industrial  activity. 

YERBA  BUENA  — 

See  Goat  Island. 

YOUNG  MEN'S  CHRISTIAN  ASSOCIATION  — 

Has  one  of  the  finest  buildings  of  its  kind  in  the  world  at  Golden  Gate  Avenue  and 
Leavenworth  Street.  Here  is  a  large  gymnasium  with  a  salt  water  swimming  tank, 
and  there  are  bowling  alleys,  handball  courts,  a  billiard  room  and  facilities  for  all 
sorts  of  social  gatherings  and  receptions. 

YOUNG  MEN'S  INSTITUTE  — 

Has  its  home  at  50  Oak  Street,  near  Van  Ness  Avenue. 

YOUNG  WOMEN'S  CHRISTIAN  ASSOCIATION  — 

Is  at  1249  to  1259  O'Farrell  Street,  where  it  maintains  a  boarding  home  for  young 
business  women  and  an  employment  bureau. 


134 


DONAHUE  POUNTAI 


/ 


UC  SOUTHERN  REGIONAL  LIBRARY  FAC 


AA    000  914  535 


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